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SPRINGFIELD, Mass. – With a combined eight runs through the first four innings regionally ranked Western New England University defeated baseball by the final of 9-3 Wednesday afternoon at George E. Trelease Memorial Baseball Park.
The Golden Bears, who are ranked eighth on the most recent New England Intercollegiate Baseball Association (NEIBA) regional poll, and 26th on the D3Baseball.com National Coaches Poll improved to 11-5 on the year. For the Beacons, Wednesday's loss dropped their overall record to 6-8.
Senior outfielder Matt Anthonis fueled the Golden Bears offense as the captain went 4-for-5, with one triple, three RBI and a run scored. On the mound Brendan Nugent allowed one run on seven hits through seven complete innings to give his team the window they needed to take the early lead.
Jamill Moquette (Boston, Mass.) was the lone Beacon to record multiple hits in Wednesday's loss, as the junior went 2-for-4 with a run scored and a stolen base. Matt Consiglio (Southbury, Conn.) and Todd Ezold (Westfield, Mass.) each recorded doubles, with Consiglio's extra base hit coming in a two-run top of the eighth which made it a six-run ball game at the time (9-3).
Junior righty Will Barrack (Lancaster, Va.) was handed the loss, his first in the last three starts, as the Virginia native allowed nine runs, six earned, on 14 hits. Barrack did manage to strikeout five bringing his strikeout count to 29 batters since his near record setting performance in Florida.
The Golden Bears, who won the 2011 NCAA Division III New England Regional tournament, put their first run of the afternoon the scoreboard in the bottom of the first. UMass would then respond with their first run of the day in the top of the second on a sacrifice fly by Jose Pena (Boston, Mass.) which scored Charles LaPaglia (Marshfield, Mass.).
Unfortunately that would be the Beacons only run until the eighth inning, during which time the Golden Bears scored three runs in the second and fourth innings, while also adding one run in the third and the sixth frames.
UMass tried to put together a late rally in the eighth as they quickly got runners on base. However UMB's only runs in the inning would come from a wild pitch that scored Moquette and a sacrifice fly from Ezold which scored Consiglio.
Baseball returns to action this Saturday when they travel to Rhode Island College for a Little East Conference doubleheader. The first pitch is scheduled for noon from Providence, R.I.


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This semester the dialogue between history and law in the two courses promises to be more sustained. A few weeks ago I stood up before first-years for the first time since the effects of the Great Recession on the law firm hiring market had become acute. Although I'm no student of very recent trends in the profession, I have the benefit of reports from Georgetown's Center for the Study of the Legal Profession, headed by my colleague Milton Reagan, which suggest that the layoffs are no momentary reversal but a phase of a fundamental restructuring of the market for legal services that has reduced the longstanding autonomy of law-firm-based lawyers, for good or ill (or both), depending on your perspective.
A first-year law class, whatever its ostensible subject matter, is predominantly a vehicle for the socialization of law students into the legal profession. Over the years, I have shaped my Property course to fit some plausible assumptions about my students' likely professional futures. As the start of this semester approached, I became concerned that my usual assumptions about what my students would find in their careers (or sojourns) in the law firms would no longer hold up. To make matters worse, the new professional reality they'll be facing is too inchoate to suggest an alternative approach.
Then I remembered that I was a historian and that one thing historians do, when living through the end of a historical epoch, is to study its origins for clues to its demise and the likely shape of a successor. The relevant epoch for my immediate predicament was an era in which elite lawyers understood themselves to be the principal font and reservoir of the social intelligence the United States needed to function smoothly. The cohort of lawyers who entered the New Deal, organized the war effort and analyzed military intelligence during World War II, and created the modern regulatory practice in the late 1940s and 1950s understood, without having to read Alexis de Tocqueville or Talcott Parsons, that they occupied "a sort of privileged body in the scale of intelligence" and that they were obligated, in the social bargain that gave them prestige, power and wealth, to confront their clients with "the hard facts of their situation" and to persuade them to adjust their conduct so as to maintain a desirable social equilibrium. It took a generation of commentary by New Left and Critical Legal Studies scholars on the hubristic, self-serving, and conservative nature of these beliefs to create an opening in the elite bar's ideological armor. Economics, in various guises, has since administered a coup de grâce.
It happens that the rise and maturation of this epoch in the legal profession is a big part of my legal history course. As the semester proceeds, I expect that the ways in which lawyers did or did not live up to their side of the social bargain will emerge as a major theme in the property course. A challenge, though, as the semester started, was to make sure that my property students will come along on the ride, as it were. To do this, they'd need a sense of how mid- to late-twentieth-century elite lawyers understood their social role, but without using up time that should be devoted to the legal analysis and skills a property course usually imparts.
I thought about assigning some of Willard Hurst's writings on lawyers as "law makers" or a book chapter of mine on how Hurst acted on his beliefs at the Board of Economic Warfare but decided that either might strike students as too distant from the work at hand. Then I remembered A. James Casner and W. Barton Leach's Cases and Text on Property (Little, Brown, 1950), the dominant property casebook for at least twenty years after its appearance. Both authors were analysts of military intelligence during World War II. Like Hurst, Casner (right) and Leach had an "opportunity to see wartime Washington from the inside of a wartime bureaucracy" and "came away with an enhanced feeling of pride" in what lawyers could do. They sought to instill this pride in the postwar generation of lawyers in an introductory chapter, entitled "The Legal Profession, Lawyers, and the Study of Property Law," and, in particular, a section entitled, "The Area of Responsibility of the Legal Profession":
You and others who are being trained as lawyers must be prepared to perform two tasks during the productive years of your professional lives.
1. To assume direction of all phases of the areas of personal conflict inherent in a complex society and economy. You will be advisers, negotiators, advocates, judges, arbitrators - and frequently administrators and executives having a large amount of quasi-legislative power. This scope of activity would have seemed revolutionary and presumptuous to an eighteenth-century solicitor, but it has become traditional lawyers' work in our time. The number and complexity of the conflict areas increase, and pari passu the need increases for lawyers who can farsightedly advise their clients, ably represent their clients' causes, and wisely administer the organizations and wield the powers of decision through which government exercises its authority. There are a lot of big words in this paragraph, but we do not want to be understood to limit these remarks to the stratosphere of human controversy. The small issues between people who never make the headlines - the action for a broker's commission, the boundary dispute between neighbors, the personal-injury claim, the troubles of a partnership in a garage business - these are a primary responsibility of our profession, serving also as a training ground in which lawyers by doing smaller tasks well can learn to perform greater tasks when they come.
2. To provide a very large proportion of national leadership at all levels of authority. Naturally, this field of activity has a tendency to overlap that of the previous paragraph; the distinction we draw lies between those tasks in which membership in the bar is a prerequisite and those in which a journalist, a stockbroker, or a haberdasher is equally eligible. It is an observable fact that through some combination of chromosomes and professional training lawyers tend to come to the top of the barrel in the shaking and jolting of competition for authority. Most of us who were engaged in the war effort, military or civilian, came away with a feeling of pride in our profession. Speaking of ourselves, we came back to law-teaching in 1946 with a sense of renewed dedication derived from a fairly consistent experience of finding lawyers doing new and exacting jobs well and imaginatively - not only the jobs that were in the public eye, but such things as a civilian directing the organization which handled the Japanese code intelligence, a captain establishing a jungle rescue service in Burma, a lieutenant (j.g.) untangling an air-transport mess in New Caledonia, a lieutenant-colonel exercising key logistical authority in the preparations for the Normandy invasion.

subset: commoncrawl


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You can read more about Royal Caribbean's fabulous fleet of ships here.


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Guyana's total size is 215,000 km2 and its coastline is around 434 km long. Approximately 85% of its total land area is covered by forest (18.5 million hectares). In 2012, Guyana recorded a deforestation rate of less than 1%. Forests in Guyana can be classified as rainforest (36%), montane forest (35%), swamp and marsh (15%), dry evergreen (7%), seasonal forest (6%), and mangrove forest (1%). The state of the country's biodiversity is considered, for the most part, intact but understudied.
Identified threats are associated with some of Guyana's main economic activities, such as agriculture and extractive industries (forestry, and exploration/mining for gold, diamond and bauxite). Direct threats to biodiversity include overfishing and overhunting, savannah and forest fires, indiscriminate land use practices (mining, logging, and agriculture), poaching of wildlife, inappropriate use of agro-chemicals, introduction of alien invasive species, climate change events and related natural disasters. Indirect threats mainly originate from institutional fragmentation and conflicting legislation, limited knowledge of biodiversity and species range and distribution, insufficient environmental law enforcement, limited number of legalized, demarcated and managed protected areas, and the opening up of areas to commercial activity.
Guyana's first National Biodiversity Action Plan (NBAP) (1999-2004) was prepared with the overall goal "to promote and achieve the conservation of Guyana's biodiversity, to use its components in a sustainable way, and to encourage the fair and equitable sharing of benefits arising out of the use of Guyana's biodiversity". In 2004, the Environment Protection Agency (EPA), with assistance from the UNDP, conducted a review of the NBAP to identify achievements and setbacks and plan for a second action plan.
A number of strategies, plans and programmes have been developed and are being implemented. These include the development of the Integrated Coastal Zone Management Plan, preparation of Wildlife Conservation and Management Regulations, and the development of a National Biosafety Framework, National Policy on Access and Benefit-sharing and related draft Regulations. Presently, the formulation of biosafety legislation is being undertaken, as well as a revision of the National Policy on Biosafety. Moreover, a Mangrove Management Plan, Fisheries Act, Forest Act, Mining and Environment Regulations have been developed and the Species Protection Regulations have been revised to be enacted as the Wildlife Import and Export Act.
Through the Environmental Protection Act (1996), the EPA is mandated with the overall responsibility for natural resources management, including a programme for conservation of biological diversity and its sustainable use and wildlife protection and management. The establishment of the National Protected Areas System and related management programmes which were also under EPA's mandate are now being facilitated through the Protected Areas Commission (PAC). The EPA continues to execute the functions related to natural resources management as stipulated in the EPA Act, thus fulfilling Guyana's requirements under the CBD with much collaboration between EPA, PAC, and other sector agencies under the Ministry of Natural Resources and the Environment. The EPA also monitors environmental conformity, particularly within the forestry and mining sectors. Forestry and mining operations are mandated to use environmentally-sound techniques to reduce emissions and environmental impacts of the operations through the preparation of ESIAs, EMPs, etc. Currently, the EPA is drafting Enforcement and Compliance Regulations to strengthen its enforcement arm.
The actual level of ecological baseline data needed for monitoring and informed decision-making is inadequate. However, there have been several limited studies conducted locally, for example, on biodiversity, land use, and inland waters. The EPA also utilises permit conditions for authorised operations to conduct compliance and audits.


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- Preheat oven to 350F.
- Use your fingers to smear the coconut oil into three oversized muffin tin cups.
- Distribute the meat and veggies amongst the three cups and form a little indentation for the egg.
- Crack eggs and put one egg into each tin, as pictured. Fill remaining, empty, cups with water (about 1/4 full).
- Transfer muffin tin to the preheated oven and bake 15-20 minutes, until cooked to your desired doneness.
- Use a spoon to scoop out your egg creations, transfer to your plate, and garnish with fresh herbs.
Sunday, September 9, 2012
Mini "Eggs in a Nest" (Leftover Edition)- REPOST
9 comments:
- alissa said...
yum! great idea - i am always looking for new ways to cook eggs :)
- April 14, 2011 at 7:31 AM
- Re:Run said...
This looks great! I'm going to have to replicate this with leftover veggies and meat that I have. Very versatile, and I have lots of little ramekins!
- April 17, 2011 at 8:23 AM
- Paleo said...
- This comment has been removed by the author.
- April 18, 2011 at 5:32 PM
I love that you did this in muffin tins! When I crack eggs into leftover veggies I usually just do a huge skillet and throw it in the oven. This makes a much nicer presentation.
- December 12, 2012 at 6:16 AM
- because you only live once said...
OMG these nests look genius! what a great idea. thanks for sharing! ~Iva~
- February 6, 2013 at 4:35 PM
A Paleo Diet Recipes regime is 1 in line with the idea that the best diet regime is that individuals evolutionary family history in the paleolithic time. Since many weight loss plans healthy that heuristic, a lot of options are actually designed in addition to popularised within names such as caveman diet regime, paleolithic diet regime, primal diet regime.
- March 30, 2013 at 11:20 AM
I am just discovering frittatas! I love eggs and I want to figure out new ways to eat them. Thanks for the awesome recipe :)
- February 19, 2014 at 7:35 PM
- Rachel Russell said...
Is the water important or just so the unused cups don't burn? I'd be making more than 3 at a time. Thanks!
- October 6, 2014 at 12:20 PM
- Blogger said...
3 Researches SHOW Why Coconut Oil Kills Waist Fat.
The meaning of this is that you literally burn fat by consuming coconut fat (including coconut milk, coconut cream and coconut oil).
These 3 studies from large medicinal magazines are sure to turn the traditional nutrition world around!
- March 5, 2017 at 7:17 AM


text: An increasing number of research is showing the secret to lifelong excellent health is exactly what experts call "life style medication" -- which makes simple modifications in diet, exercise, and stress administration. That will greatly help you switch that knowledge into outcome, we've come up with this manageable list of health insurance and health suggestions. We asked three authorities -- a naturopathic doctor, a dietitian, and also a personal trainer -- to tell us the very most effective five simple-but-significant lifestyle-medicine adjustments that they urge. Besides giving you three different takes on how best to select your quality of life struggles, this checklist provides you possibilities you may possibly make without being whisked off into a realityshow fat plantation -- or purchasing another freezer for all those calorie-controlled, pre-portioned frozen foods. More info - http://smartmews.hospitalathome.it/i...user&id=172664 Think confident and concentrate on gratitude Research indicates a healthy positive attitude helps build a healthy immune system also fosters entire health. Your entire body thinks everything you presume, so focus on the constructive. Eat your veggies Shoot for five portions of veggies daily -- either steamed, raw, or stirfried. A diet high in veggies is associated with a lesser probability of developing cancers of the lung, colon, breast, cervix, esophagus, gut, kidney, pancreas, and cartilage. And many of the most powerful phytonutrients will be the people with all the boldest shades -- including as broccoli, cabbage, carrots, berries, berries, and leafy greens. Establish a "5-meal ideal" So what, when, and how far you eat can keep your metabolic rate as well as your energy levels significantly elevated, which means you will consume more all-day energy. A "5 meal great" will allow you to oversee your weight, maintain your trendy, retain your attention, also give a wide berth to cravings. Exercise everyday Were you aware daily workout may lower each one the biomarkers of growing older? This consists of improving eyesight, normalizing blood pressure, increasing lean musclebuilding, reducing cholesterol and even strengthening bone density. If you would like to live well and survive more, you must exercising! Studies show that just ten minutes of exercise produces a difference -- so conduct some thing! Crank the stereo and dance into your livingroom. Sign up for swing dancing or ballroom dance lessons. Walk into the park with your children or some neighbor you'd like to grab up with. Jump-rope or play hopscotch. Spin a hulahoop. Play h2o volleyball. Bike to Get the Job Done. Jump on the trampoline. Proceed for a hike. 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A healthy way of eating relies on savoring taste, ingestion to gratification, and rising electricity, as opposed to focusing on weight. Assess your balance of low-carb meals, nutrient-dense foods (giving many nutrients per calorie) , and foods which are calorie packed nevertheless nutrient poor. Most Americans need to eat more fresh whole-foods (in contrast to processed, highly refined foods). Attempt to incorporate a lot more whole grains, fruits and vegetables, and legumes into your diet. Satisfy these low-fat foods using a wholesome body fat or lean protein to extend gratification. 2. Eat as a kid If adding more fruits and vegetables sounds ominous, look into "finger-food" versions that preschool children like -- carrot and celery sticks, cherry tomatoes, broccoli florets, grapes, berries, and fruits that are dried. All these are nutritional power houses packed with antioxidants. 3. 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I grew up in Cooleemee. The picture of the lady in the spinning room is my Grandmother Grimes.
The Mill Town That Never Closed
How Cooleemee retained the heritage that defined its characterBy Carla Burgess
The Textile Heritage Center in the town of Cooleemee (pronounced COO-luh-mee) has humble roots. It began as just a bulletin board behind plexiglass at the post office. Today it fills a historic two-story house that was built for a general manager of the local cotton mill in 1923. The mill was erected on the banks of the South Yadkin River in Davie County at the turn of the 20th century and operated until 1969. In its heyday, in the 1940s, some 1,800 workers heeded its whistle. Many of those workers and their descendents still live in Cooleemee, a town of 960 people, and their memories have lent authenticity to a sweeping, homegrown history project.
Shortly after word got out in 1989 that the Cooleemee Historical Association wanted to record old-timers' stories about mill life, the tape was rolling. Men and women, mostly from the World War II generation, shared not only their stories of life on the work floor, but also what it was like living within the confines of a town built for one purpose: to turn cotton into cloth. Some of what they said surprised the interviewers. Rather than lengthy tales of deprivation, Cooleemee's former doffers, carders, spinners and weavers described working in a tough environment while having a measure of autonomy that made them feel valued. They also recalled a tight-knit community where neighbors were more than co-workers — they were like family.
The town, owned by the mill, was provincial and cosmopolitan at the same time. On the one hand, mill families could maintain many of the traditions of self-sufficiency they'd had as farmers. Their homes sat on lots big enough for a garden, a few chickens and a smokehouse. On the other hand, they had some city-style amenities, like a department store, drug store, cafe, library and even a movie theater in the town square. Millworkers had their own traveling concert band, and the Cooleemee Cools had their own lighted baseball field and grandstand.
The duality in old Cooleemee created what Lynn Rumley calls "an industrial folk culture." Rumley is the director of the Textile Heritage Center and the town's mayor. She is a passionate curator of Cooleemee history and the southern cotton mill culture at large. Rumley was usually the interviewer with whom Cooleemee's elders shared their recollections. To date, the center has amassed 120 hours of video from 30 subjects. The center has also archived thousands of pages of written histories from 151 mill families.
The community stayed together
Some of the personal stories have illuminated the somewhat unique story of labor relations in Cooleemee. Given the comparatively small foothold of organized labor in the South, it may surprise a lot of people to learn that the Cooleemee mill was unionized, though it came about atypically. When 65,000 North Carolina textile workers walked off their jobs during the industry-wide General Textile Strike of 1934, the Cooleemee mill hands were not among them. They believed that company officials promised they would not thrust upon them the new, increasingly common practice of "scientific management," in which workloads were doubled and tripled and mill workers toiled to the tick of the stopwatch. The so-called "industry engineers" even timed bathroom visits. The general strike of 1934 was an abject failure in the South, with organizers unable to enlist enough members to successfully bargain on the workers' behalf.
In Cooleemee, company higher-ups eventually brought in "time study managers," prodding workers to operate more machines in less time. "In place of them sticking with us, they really stuck it to us," said John Henry Nail, who was in his 80s when historians interviewed him. "(They) brought the checkers in here and put more work on us." For decades, mill hands had worked hard in exchange for not only a paycheck, but some unofficial fringe benefits — such as time off to kill hogs, go hunting, tend to a sick family member or even take an extended break from the work floor when they were caught up.
"My father was the overseer in the spinning room," said former mill hand Fred Pierce. "When they doffed all the frames they'd just go up the river and take a swim, you know, until the bobbins got full again, and then he'd go out and whistle or holler and they'd all come back in and start doffing again." Cooleemee workers wouldn't stand for the loss of independence. In 1937, they unionized, with 90 percent of the workers paying dues.
Cooleemee's former mill workers and their families have contributed way more than words to the story of their past. As news of the history project spread, people shook out their attics, dug into cedar chests, and pilfered scrapbooks and photo albums. More than 3,000 old photographs have been donated to the center and digitized for its archives. The Mill Village Museum, housed on the center's first floor, is filled with artifacts that document the routines of work and play, school, worship and home life. There's also an auxiliary building, the Mill House Museum, an original mill house furnished with donated items — including a wood stove, beds, quilts, tables, armchairs and rockers, enameled bowls, cast iron pots and pans, butter churns and canning jars — everything a typical mill family would have used in the early 1930s. Almost all the artifacts were collected locally.
Cooleemee's cotton mill closed in 1967, putting its last 750 workers on the street. A closing often spells the death of a mill town, but most people stayed here, even if they had to drive out of town to work, says Rumley. The Cooleemee Historical Association did a survey in 1996 and found that 75 percent of people living in the original mill houses were either native Cooleemeans or had Cooleemee roots, she says. "I think Cooleemee is one of the few mill towns in the South that have gone through a closing and remained intact in terms of a community." The mill building and some 330 original houses still stand, and now there are enough memories to fill them.
To learn more about the Textile Heritage Center or to become a supporting member of the Order of the Bobbin and Shuttle, visit www.textileheritage.org or write to Textile Heritage, P.O. Box 667, Cooleemee, N.C. 27014.
Comments (2)
The picture of the lady in the spinning room of the mill is my Grandmother Grimes


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Australasian gannet colony at Cape Kidnappers
Image: Antoine Hubert | Creative Commons
Located in the Hawke's Bay region
The 13 hectare reserve includes the Saddle and Black Reef gannet colonies. Both are closed to public access, however the Black Reef colony can be viewed from the beach.
The Plateau colony is the main place for viewing the nesting gannets where there are also good panoramic views from this elevated headland. This colony is located on private land. Visitors are asked to co-operate with the landowners by keeping to the defined track and not disturbing stock.
The Australian gannet
The Australasian gannet (takapu) is one of three species of gannet which belong to the booby family. They are usually found in large colonies on offshore island around New Zealand and southern Australia and have been nesting at Cape Kidnappers/Te Kauwae-a-Māui since the 1870s.
Numbers have steadily increased to 6,500 pairs, which makes it the largest and most accessible mainland colony in the world.
The gannets average lifespan of between 25 to 40 years has a remarkable start. The 16 week old chicks, which have never been airborne before, take on a 2,800 kilometre Tasman Sea crossing. Two to three years later, the young birds return from Australia to undertake tentative mating. However, it is not until they are five years old that they nest in earnest, after which most spend their life around the coastal New Zealand seas.
The fish hook shape of Hawke Bay coastline adds to the imaginative legend of Cape Kidnappers origin.
Maui-tikitiki-a-Taranga, a famous mythical hero, was fishing with his brothers, and decided to show them his supernatural powers.
He chanted his prayer, broke his nose and smeared the blood onto a magical jawbone. With it, he fished up the North Island or as the Māori name it, Te-Ika-a-Maui, the Fish of Maui. After Maui departed, his brothers attached the fish with their weapons, hacking it into pieces and helping to form the mountainous terrain of the North Island. The sacred jawbone used as the hook was left to form what is now known as Hawke Bay.
When Captain Cook visited the area in 1769, a group of Māori in canoes came out to the ship Endeavour to trade. They took aboard the canoes a Tahitian boy. Shots were fired at the retreating canoes resulting in some Māori being killed and the boy swimming back to the ship. Cook then named the area where this occurred as Cape Kidnappers.
Getting to the Cape is half the fun. You can either walk via the beach at times of low tide or use the various means of commercial transport along the beach. Access by beach is undertaken by commercial tourism operators licensed by the Department of Conservation.
From Scotmans Point at Clifton allow at least 5 hours for a comfortable return walk along the beach. This can only be down at low tide, with the best times of departure being no sooner than three hours after high tide and departing from the Cape no later than 1.5 hours after low tide.
Information on the tide times can be obtained either from local newspapers or at the information centres mentioned below.
The cliffs along the beach are unstable and slips sometimes occur. If resting or picnicking, do so away from the cliffs.
Please treat this reserve as the gannets' home. As it is one of the most easily accessed gannet colonies, special care is needed to ensure their continued presence here.
The best time for viewing the gannets is between early November and late February. Nesting commences in mid-September and continues through to mid-December. The first chicks hatch in the first week of November and the last chicks depart the colony during May for their migration to Australia.
Please note that public access to the gannet colonies is closed between July and October. This is to prevent disturbance to the birds during their early nesting phase.
Please take into account the hot and sometimes windy conditions. Suggested items to take are:
|Ahuriri / Napier Office
|+64 6 834 3111
|+64 4 471 1117
59 Marine Parade
Napier 4110
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PO Box 644
Napier 4140
|Full office details


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This canvas cooler cover helps prolong the life of an evaporative cooler by preventing rust and corrosion to the cooler and cooler parts. The cover is made of heavy duty duck canvas, repels water and resists mildew. The canvas is UV protected to prolong the life of the cover. Side draft cover protects the cooler from the weather elements during the off season Made from heavy duty duck canvas that allows moist air to escape from the cooler while protecting the cooler from outside weather Heavy duty brass grommets and tie-down string allow for easy installation and durability Tie-down string is UV protected Cover can easily be folded and stored for repeated use Cover is made larger in width, depth and height to allow for shrinkage during the first six months of use
- Item #: 8992


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Cash registers were invented in 1884 because an eye on the cash was a necessity in stores of the nineteenth century, too. John Birch and James Ritty invented a large model that resembled a clock and kept a record of the dollars and cents exchanged in the store. John Patterson improved the cash register with a paper roll to record the money. By the early 1900s, elaborate brass registers were made. Cash registers became staples in most retail stores, and to provide stronger security measures, cash registers were made with elaborate cast-metal cases from 1888 to 1915. About World War I, the fancy case was exchanged for the more modern designs. Cash registers made by National Cash Register Company are most often collected.
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2013 Mazda Mazda3 Reviews and Ratings
Sedan 4D i SV I4
Expert Reviews
The Mazda3 is a sporty alternative to the Honda Civic and Toyota Corolla. Mazda3 comes in four-door sedan and five-door hatchback versions with a choice of engines and trim levels ranging from thrifty to sporty.
The 2013 Mazda3 benefits from upgraded options including TomTom-based navigation on a larger, 5.8-inch color touch screen, a USB audio port, pushbutton start, and SMS text message delivery/receipt features. Launched as a 2010 model, the current-generation Mazda3 got a refresh for 2012, including Mazda's SkyActiv technology.
The Mazda3 looks smooth, pretty and aerodynamic. The sedan boasts a smooth 0.27 coefficient of drag, while the five-door gets a 0.29 Cd, slippery for a hatchback. This reduces wind noise and improves fuel economy. These cars are stylish, with front fenders puffed out forward of the wheels.
The Mazda3i SV base model is powered by a 2.0-liter four-cylinder engine that makes 148 horsepower and 138 pound-feet of torque. EPA fuel economy estimates with this engine are 25/33 mpg City/Highway with the standard 5-speed manual transmission, 24/33 mpg with the optional 5-speed automatic.
Mazda3i Sport, Mazda3i Touring, and Mazda3i Grand Touring models come with Mazda's SkyActiv powertrain, which delivers 155 horsepower and 148 pound-feet of torque. SkyActiv is the most fuel-efficient of the lineup, with an EPA-estimated 27/39 mpg with the standard 6-speed manual, and an impressive 28/40 mpg City/Highway with the optional 6-speed automatic. In our test driving, we got 29.5 mpg driving it hard over the curvy mountainous highways east of Los Angeles, and 43.7 mpg returning to the city mostly on the freeway, running 65-70 mph, accelerating and decelerating with the fast flow of traffic. We recommend this engine.
Mazda3s Grand Touring models get a 2.5-liter four-cylinder that makes 167 horsepower and 168 pound-feet of torque, and achieves 20/28 mpg City/Highway with the 6-speed manual and 22/29 mpg with the optional 5-speed automatic.
MazdaSpeed3 is a performance model with a 2.3-liter turbocharged four-cylinder, good for 263 horsepower and 280 pound-feet of torque. A 6-speed manual is the only available transmission. It's fun to drive, but fuel economy suffers with a mediocre 18/25 mpg City/Highway.
The Mazda3 models have nice interiors with terrific seats. Controls are intuitive and easy to reach and use. The center stack is clean, the gauges clear, and digital information accessed by a thumb scroll on the steering wheel. All Mazda3 models seat five.
The Mazda3 five-door hatchback offers a lot of cargo space, 17 cubic feet behind the rear seats, compared 11.8 cubic feet of space in the sedan's trunk. Both come with 60/40 split folding rear seats, and they fold nearly flat, so the cargo space can be expanded enormously. In a pinch, the sedan can carry most of what the hatchback can.
Ride quality is firmer on the Mazda3 than on most competitors, and could be deemed harsh by someone used to driving a Corolla. The suspension on all Mazda3 models deliver a feel that's more European than Japanese. Harsh patches and rough roads never made the ride uncomfortable, however. Mazda3 is front-wheel drive.
The Mazda3 is a great alternative for those who want a compact sedan with sporty driving dynamics. Mazda3 competes directly with Honda Civic and Toyota Corolla, Chevrolet Cruze, Hyundai Elantra. The hatchback also competes with the Ford Focus hatch or Hyundai Elantra GT. Those keen on performance might compare the Mazdaspeed3 with the Scion FR-S for track-ready fun, or the Hyundai Veloster Turbo with its funky, yet practical, hatch shape.
The 2013 Mazda3 lineup includes sedan and hatchback body styles with a choice of three engines, or four counting the MazdaSpeed3.
Mazda3i SV sedan comes with a 148-hp 2.0-liter engine with a choice of 5-speed manual ($16,700) or 5-speed automatic ($17,550) transmission. Standard features include fabric upholstery, air conditioning, a height-adjustable driver's seat, power windows and mirrors, a tilt-and-telescoping steering wheel, a 60/40-split folding rear seat, a four-speaker audio system with a CD player, auxiliary audio jack and steering-wheel mounted controls and 16-inch steel wheels.
Mazda3i Sport sedan is powered by the 155-hp 2.0-liter SkyActiv engine with a 6-speed manual ($18,375) or 6-speed automatic ($19,225). The Sport upgrades with remote entry, power door locks, cruise control, USB port and an information display with trip computer, outside temperature gauge, maintenance reminder and audio information.
Mazda3i Touring models come in sedan and hatchback versions powered by the same 155-hp 2.0-liter engine as the Sport. Mazda3i Touring sedans offer a choice of 6-speed manual ($19,500) or 6-speed automatic ($20,350). Touring models include dual-zone automatic climate control, pushbutton start, leather-wrapped steering wheel and shift knob, a rear seat armrest with cupholders, Bluetooth phone and audio connectivity, an upgraded, six-speaker audio system and alloy wheels. Mazda3i Touring hatchback comes with the 6-speed manual ($20,000) or 6-speed automatic ($20,850) and get a rear roof spoiler, roof-mounted antenna and a rear window wiper in addition to all the other features listed above.
Mazda3i Grand Touring use the same SkyActiv powertrain and come in sedan variants with the manual ($22,800) or automatic ($23,650) transmissions, as well as in hatchback form with the same manual ($23,300) or automatic ($24,150). Grand Touring models feature leather upholstery, an 8-way power driver's seat, heated front seats, padded door armrests, a 5.8-inch color touchscreen display with real-time traffic information, voice-activated controls, a text message audio delivery and reply system, a power sunroof, blind spot monitoring system, heated outside mirrors and a 10-speaker, 265-watt Bose audio system with Pandora audio streaming.
Mazda3s Grand Touring models are powered by a 167-hp, 2.5-liter engine. Mazda3s Grand Touring sedan comes with a 6-speed manual ($24,350) or 5-speed automatic ($25,150), Mazda3s Grand Touring five-door hatch offers the manual ($24,850) or automatic ($25,650). Standard features include unique sport-style seats, different colored gauges, illuminated vanity mirrors, an overhead sunglass holder, satellite radio capability with a four-month subscription, rain sensing wipers, bi-xenon adaptive automatic headlights, fog lights, dual exhaust with chrome-like tips, LED taillights and 17-inch alloy wheels. Sedans get a rear deck lip spoiler and hatchbacks get a unique rear roof spoiler.
Mazdaspeed3 ($24,200) is a high-performance hatch that comes in a single trim level: Touring. It's powered by a 263-hp turbocharged 2.3-liter inline-4 that's mated to a 6-speed manual transmission, and uses a limited-slip differential. Standard equipment includes many of the features found on the Grand Touring models: dual-zone automatic climate control, a height-adjustable driver seat, sport seats with leather and cloth upholstery, cruise control, a leather-wrapped tilt-and-telescoping steering wheel, Bluetooth phone and audio connectivity and a 10-speaker Bose surround-sound audio system with a CD player, an auxiliary audio jack and a USB audio jack. Exterior features include a unique front grille, 18-inch alloy wheels, foglights and a unique rear roof spoiler.
A variety of packages and stand-alone options are available for each trim level.
Safety equipment on all 2013 Mazda3 models includes dual front airbags, front side airbags, curtain side airbags, active front head restraints, and anti-lock brakes with brake assist and electronic brake-force distribution. Grand Touring models also get a blind-spot monitoring system.
The Mazda3 has a fat lip. The front fascia below the bumper looks great, even if the sporty black air intakes are more cosmetic than functional.
Front fenders are puffed out forward of the wheels. The sedan's coefficient of drag is 0.27 Cd, with the 5-door hatchback at 0.29 Cd. Those are great numbers for a hatchback that isn't also a fastback (like the Audi A7).
Rear bumpers on Mazda3i models are clean and body-colored. On upper trim levels, 16- and 17-inch alloy wheels are sporty and handsome. Thanks in part to those wheels, it looks like it's moving even when it's standing still.
Every control on the Mazda3 instrument panel is intuitive and easy to reach and use. The center stack is clean, the gauges are clear, and digital information is accessed by a thumb scroll on the steering wheel. In fact, Mazda3 is one of the only cars in its class with standard steering-wheel controls. The digital information is easy to read in the sun, at least in the SkyActiv models, with blue meter illumination. Others have gray, and the Mazdaspeed3 is red.
We drove a Mazda3 with terrific leather seats, and one with cloth seats, same padding and bolstering but firmer, maybe because cloth skin gets stretched more, and leather has inherent cushioning.
The sedan's trunk has 11.8 cubic feet of space, and the hatchback has 17 cubic feet behind the rear seat. The rear seats are split 60/40, and they fold nearly flat, so the cargo space can be expanded enormously.
The 6-speed automatic transmission can be switched to manual mode and shifted with the gated lever. The shift action is another place where Mazda logic rules: the lever goes back to upshift, forward to downshift, as in many race cars, because those directions flow with the g-forces on the body during acceleration and deceleration. It's a feel thing, not a think thing.
The 2.0-liter SkyActiv powertrain performs ideally. We tested it hard, and it works. The engine makes 155 horsepower and 148 foot-pounds of torque, enough for plenty of acceleration. The 6-speed automatic transmission works beautifully with the available torque. At 70 mph, the engine spins at a leisurely 2200 rpm, smooth and silent. With the 6-speed manual, it runs 70 mph at 500 rpm more.
Mazda's SkyActiv powertrain uses a regular internal combustion gasoline engine. But engineers tuned it to reduce energy losses in the compression, expansion and exhaust cycles. The transmission increases fuel mileage by about 2 mpg, out of the total increase of about 5 mpg. The net result is an EPA-estimated 27/39 mpg with the standard 6-speed manual, and an impressive 28/40 mpg City/Highway with the optional 6-speed automatic.
In our test driving, we got 29.5 mpg with the automatic while driving it hard over the curvy mountainous highways east of Los Angeles. Later, we averaged 43.7 mpg returning to the city in mostly freeway driving, running 65-70 mph and accelerating and decelerating with the fast flow of traffic.
We ran the 6-speed automatic transmission through all the obedience tests where other automatics usually fail, and it did not fail. It will downshift aggressively, and upshift at low rpm. It will do what you ask it to, and no more, quicker and smoother than before. Some other manufacturers use continuously variable transmissions, because they say they're more fuel efficient. Nobody really likes CVTs; some drivers don't notice, and some live with them, but these continuously variable transmissions turn cars into clothes dryers. There's a CVT in the Mazda3 for Japan, where it's all stop-and-go, slow driving. But this version wasn't even considered for this North American Mazda3.
The suspension on all models delivers a European feel. We ran a lot of harsh patchy pavement on curvy roads, and it wasn't quite a sport sedan, but the feedback was direct, driven hard with the 6-speed automatic transmission in Manual mode. The ride was never uncomfortable, though drivers used to cushy suspensions like those found on the Toyota Corolla might consider the Mazda3's on the firm side.
Mazda3 is a fun, versatile compact car in 4-door sedan and 5-door hatchback variants. The 2.0-liter SkyActiv powertrain delivers ample power with impressive fuel economy. The race-inspired MazdaSpeed3 is fun, but is outclassed by newer competitors in both performance and gas mileage.
Sam Moses reported to NewCarTestDrive.com from Portland; with Kirk Bell reporting from Chicago; Laura Burstein in Los Angeles.


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The owners of the Central Building at 332 Main St. have applied for a demolition delay waiver that would allow them to tear down the historic 87-year-old downtown landmark.
According to its application submitted last week to the Worcester Historical Commission, 332 Main Street Associates, controlled by members of the Krock family, is applying for the demolition delay waiver so it can completely demolish the building, explaining that the vacant seven-story building is no longer economically viable to maintain for office and retail use.
"Due to high vacancy rates in retail and office space, it has become an economic hardship to continue to maintain and heat the building," the application states.
Kathryn Krock, property manager for the building, also cited a 112 percent jump in the property's assessed value from last year to this year as a factor. The property's tax bill was about $48,000 in 2011, but jumped to about $86,000 this year, she said, and that was after the owners successfully appealed the city assessor's office to reduce the valuation. That pushed the annual cost of taxes, heat, and maintenance on the building to $150,000, she said.
"That's a lot of money," she said.
The demolition delay is a one-year waiting period that owners of historic properties must observe; it is intended to buy time during which alternative uses or owners can be found. Owners can apply for a waiver, which would be effective from the date the application is submitted.
Gary Brackett, lawyer for the owners of the Central Building, said the owners have requested a January hearing for the delay waiver.
The building's owners applied for the demolition delay last year, but quickly withdrew the application. Ms. Krock said at the time there was the possibility of securing tenancy from Quinsigamond Community College. But that has not come to fruition, and there are not many other large tenants seeking to move downtown, she said.
"Unfortunately for us, it's not a question of getting one small tenant," Ms. Krock said.
The application for the Central Building demolition delay waiver identifies Janet E. Krock as president of 332 Main Street Associates. Ms. Krock's husband, Barry Krock, is the son of Aaron Krock, founder of Commerce Bank & Trust Co.
The Krock family owns several downtown properties; in 1996, they tore down the 142-year-old Flagg's Building to make way for a parking lot on North Main Street across from the new Worcester Trial Court complex.
Local advocates for the preservation of the Central Building, including Preservation Worcester Executive Director Deborah Packard, fear another parking lot will replace the steel-frame building.
Ms. Packard said there is just too much going on downtown with the proposed Theater District, the continued expansion of the Massachusetts College of Pharmacy and Health Sciences, and other projects to let another Main Street building get torn down.
A parking lot is "not a good use of the land and the building will be a loss to the city," Ms. Packard said.
Ms. Packard said she plans on attending the January hearing and she will be vocal about saving the building.
"I know it's an issue because it hasn't been maintained," Ms. Packard said. "It's also very sad when someone takes a building and takes the life out of it and then says it's too expensive to do anything with."
Ms. Krock said she can't comment on exactly what would replace the building.
"I don't know what we would do with it," Ms. Krock said. "I do know it's costing us $150,000 a year, and we can't do that anymore."
Still, Ms. Krock said the owners are open to securing new uses or tenants for the building and will continue to actively market the property.
"We obviously want to get a tenant into our building," she said.


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Hebe Estrella-Schultz
I am a medical doctor board certified in psychiatry . I was a registered nurse before choosing to become a psychiatrist. I am empathetic, sensitive, compassionate, effective, and believe each person deserves a personally tailored, holistic treatment. The treatment I offer is customized to meet the needs of each person. It may be psychotherapy/counseling, medications, or a combination of both. I will discuss with you all of your options.
My extensive experience as a nurse and medical doctor include areas of general medicine, surgical wards, trauma units, emergency room, pediatrics, neurology, public health clinics, and others. I also bring many years of psychiatric experience working in community clinics and private practice serving people from all walks of life with many cultural backgrounds and experiences.
I have seen hundreds of adults and seniors with a variety of disorders including: panic attacks, obsessive-compulsive disorders, phobias, social anxieties, schizophrenia, Attention deficit disorders, depression issues, bipolar disorders, and post-traumatic stress disorders, including veterans and many other issues that are too many to mention.
I have experience working with women's issues including trauma issues, life transitions, etc. I work with couples and families. I have helped college students in their life transitions and relationship problems and I have extensive experience working with children and teenagers with a variety of issues.
I am fluent in Spanish and provide services in Spanish and Portuguese if needed. I take some insurances as well as providing different types of payment options.
Please contact me if you have any questions at (916) 749-2010
Please contact me for more more information about my hourly rates and sliding scales fee may be available for cash paying patients.
Roseville, CA 95661
- Anxiety
- Asperger's
- Depression
- Medication Management
- Panic attacks; Relationships; Spirituality; Bipolar d/o; Stress; Obsessive Compulsive d/o and PTSD.
- Women's Issues
Hebe Estrella-Schultz's Documents
Demographics served
- Child
- Adolescent
- Adult
- Senior
- Psychiatrist CA - A51028
Associations And Honors
American Psychiatric Association; Board of American Specialties; Central California Psychiatric Association; American Medical Association
- Case Western Reserve Medical School in Cleveland, Ohio M.D. — Medicine 1989
- U.C.L.A. Medical school affiliated Psychiatric program in California M.D. — medical/psychiatric training 1991
- Stanford Medical School affiliated Psychiatric Program in California M.D. — Psychiatry 1994
Rates & Insurance
Breakthrough has not yet partnered with all insurance companies, but you or the therapist you select may contact your insurer about covering your online care. We strive to accept all insurers but we can not guarantee coverage.
If you receive care on Breakthrough but your insurer declines coverage, you will be billed at the therapist's self-pay rate.
If you can not find a therapist who accepts your insurance, call us at 1-888-907-3208 and we will try to find a therapist who can see you.
- Aetna (CA) (CA)
- Anthem Blue Cross of California (Wellpoint) (CA)
- MHN/Managed Health Network (CA)
- Self Pay
- Western Health Advantage (CA)
- _Blue Shield of California (not Magellan) (CA)
$260 per hour


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Grapes and gills mix it up for VOA
Red Wine & Seafood? Of Course! took a trip down the Italian coast this year when executive chef Joseph Ramirez and his crew from McCormick's Fish House and Bar based the evening's menu on recipes with a Mediterranean flair. Swordfish a la Siciliana, lobster fra diavolo, cannelloni de mar and seafood-stuffed calamari were just a few of the dishes prepared for the annual tasting party that benefits Colorado branch of Volunteers of America.
Michael Moore and Denise Snyder chaired the event with her sister and brother-in-law, Kathleen Kenny Davia and Brad High, welcoming some 300 friends of VOA to the Oxford Hotel Ballroom for an evening that also included music by Mistura Fina Jazz Band, desserts from Gateaux, and a silent auction of items ranging from jewelry and mountain getaways to spa packages and shopping sprees. Moore, a makeup artist, owns Simply Moore in Cherry Creek North; Snyder owns the Larimer Square boutique Mariel; and Davia and High own Gateaux. Beverages were donated by Southern Wine & Spirits and decor was by Flower Power.
"It's our best ever, I think," observed VOA Guild president Ann DeGroat.
VOA's community affairs manager, Jim White, added to the bidding excitement by calling on his contacts in pro sports for donations that included game tickets, a pair of size 19 basketball shoes autographed by Carmelo Anthony of the Denver Nuggets, a Colorado Avalanche jersey signed by Joe Sakic, a baseball bearing Colorado Rockies pitcher Jason Marquis' signature and a ball that Chauncey Billups, also of the Denver Nuggets, had signed.
Among the guests: Kalleen Malone, chair of the VOA-Colorado board; Dianne Eddolls, founding president of the VOA Guild; Dianne and Rita Zarlengo, daughters of guild founder Irene Zarlengo; Larimer Square general manager Carolyn Waldmann; Pat Cortez and Manuel Martinez; Juanita Chacon; Emily Tarleton; Myrna Mourning; Arnold and Myrtle Roane; Jerilyn Bensard; Susan Mostow; Craig and Layne Fleishman; Patti Shyne; Jack and Adrienne Fitzgibbons; Herminia Vigil; Deb Smith; Betty Blecker; and KOSI morning personality Murphy Huston with his wife, Carol.
Joanne Davidson: 303-809-1314 or email@example.com; also, GetItWrite on Twitter


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We want to be a praying church. To aid and unite us in our prayer, download this card listing three specific ways to pray for our church and community.
We have also put together a list of Scriptures for you to pray through that speak directly to trusting Christ and fighting for trust in the midst of difficulty. On the backside is a list of songs speaking to this same theme for you to listen to and sing along with to lift your soul. Find that here.
Share Your Request Online
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And listen to our recent playlists and worship the Lord!
We give not because God needs our money (Psalms 24:1; 50:10,12) or even simply out of obligation. We give because the Father gave His Son and Jesus gave His life. Our giving is a response of thanks and gratitude. If you would like to partner with us for the gospel and give to the church, you may do so through the Donate button below.
We would encourage those who give not to use this for tithing purposes. Rather, this is a way to give one-time gifts or recurring charitable contributions. If you are a member of CrossPointe and need to send in your tithe, you can mail a check (made out to CrossPointe Church) to the church office. Also, you can send an e-check through your bank.
Thank you for helping us spread the gospel through your giving, and may God bless you richly!
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Front month corn and soybeans closed higher to start the week following Friday's WASDE report and more concerns over South American logistical problems.
May corn closed up 7 ¾ cents at $7.11 ¼ which is the highest it has settled in over a month. The next resistance levels come at $7.1925 and $7.2250 which is the 200 and 100 day moving averages (respectively).
May Corn
May soybean's settlement is also near the top end of the range at $14.79 ½. The next resistance point is at $14.97.
May Soybeans
Fundamentally not much changed over the weekend. The USDA reported slightly higher export inspections for corn and wheat on this morning's report but soybeans were under estimates. Nearby CIF basis was a few cents higher for soybeans and near unchanged for corn. We are focusing on wheat feeding and protection for new crop pricing. How much wheat is being fed that could ultimately help corn carryout? May wheat is 11 ¼ cents under May corn and the incentive is certainly there. We are also long term bearish new crop prices and want to sustainably protect our downside price-risk as we get past the acreage report and spring planting. We still have the large South American production that may hold our old crop prices range-bound.
The Supply and Demand report didn't provide any monumental changes. Although corn carryout was left untouched at 632 million bushels it was still slightly less than the average analyst estimate of 650 million which helped support the front month contracts. They reduced corn exports by 75 million bushels, raised imports by 25 million bushels and raised feed use by 100 million. Wheat carryout was higher than expected at 716 million after the USDA lowered export demand by 25 million. Soybean carryout was left unchanged in the US at 125 million bushels.
The USDA made minimal changes to their South American projections as well. They have Argentine soybean production at 51.5 (down 1.5) and Argentine corn production at 26.5 (down 0.5). Brazilian bean production was estimated at 83.5 (unchanged) and their corn production was 72.5 (unchanged). The main divergence from market expectations was that the USDA was more conservative on lowering Argentine production than the private estimates continue to roll in at.
The bottom line is this report wasn't a major game-changer for grains but we do have some major reports on the horizon that might be. On Thursday, March 28th we will have the Quarterly Stocks Report as well as the Planting Intensions report. The corn-to-soybean ratio has been slowly trending higher since the beginning of the year which could mean soybeans get more acres than early estimates were calling for. On Friday and Monday new crop corn outpaced new crop soybeans which made sense since the price-ratio has rallied sharply since the beginning of December and was probably "due" for a market correction.
Corn-Soybean Ratio 2013
Please contact us with any questions or to review your current marketing plan in our proprietary farm management marketing software - AgYield.
EHedger | 866.433.4371
Premier full service commodity brokerage offering risk management services for the agricultural sector as well as professional traders.


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Amid the rush to see changes in Burma as an inexorable move toward full democracy--Aung San Suu Kyi's electoral victory over the weekend is certainly cause for hope--CPJ has maintained a healthy skepticism about media reform in Burma. Shawn Crispin's "In Burma, press freedom remains an illusion," posted on Friday, is the most recent example of our thinking on the subject.
A short article posted on Foreign Policy's website by veteran journalist Soe Thein (also known by his pen name Maung Wuntha) is a seasoned perspective from inside the country, and one that in many ways reflects CPJ's concerns:
...the government is drafting a new media law. Burmese journalists are concerned -- they want a press law that would protect the rights of journalists and prevent threats to media personnel, particularly when it comes to publishing on sensitive issues, such as corruption by government cronies. Without protections like these, Burma will never have a robust fourth estate.
The piece is one of 16 short articles FP pulled together--"16 Ways to Fix Burma"--that discuss what comes next in Burma. It's a worthwhile read.


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Kiss the Cook
For the man who needs a bit more lovin' when he's in the kitchen.
Premium quality 7oz twill apron with adjustable neck.
- Four front utility pockets
- 100% cotton apron apron
- Measures 30" long by 24" wide
- Machine wash cold with like colors. Tumble dry low.
- Professionally printed. Makes a great gift.
We guarantee this apron will fit. If it doesn't, you'll get a full refund. Designed to fit anyone 4'1" - 7'1" and almost all waist sizes (15" waist to 60" waist).
- Extra long waist ties
- Long, fully adjustable long neck strap
Kiss the Cook
Regular price $20.00


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Southwest Florida has good reason to pay attention to what Federal Reserve Chairman Ben Bernanke says from Washington, D.C., today, because it could set the tone for financial markets for the rest of the year.
Christian Bertelsen, chief investment manager of Sarasota-based Global Financial Private Capital, which manages $2 billion, said the Fed's policies on bond buying and efforts to keep interest rates low could affect housing and the large number of retirees here who depend on investment income.
Financial markets have been gyrating since May, when Bernanke told Congress the Fed might pull back its effort to keep long-term rates at record lows within "the next few meetings" -- earlier than many had assumed. Since then, the Dow Jones Industrial Average has swung by more than 100 points in 12 of the past 18 sessions, including trading Tuesday.
Mortgage rates have climbed to close to 4 percent, a 14-month high but well-below historic averages.
"That has already affected some homebuyers who cannot afford to buy because of the higher rates," Bertelsen said.
Bertelsen expects Bernanke to calm the markets by declaring the Fed will not make an abrupt change and will instead gradually taper its bond buying as the economy improves.
Such a message, Bertelsen predicted, would prevent a spike in interest and mortgage rates and would also buoy the stock market, which has already risen 15 percent this year.
But if Bernanke jars the markets by declaring a sudden end to Fed bond buying, it could send mortgage rates rising from 4 to 5 percent and cause a 7.5 percent drop in the stock market. A sudden spike in interest rates would be a jolt to retirees -- or anyone -- who relies on investments in bonds.
When rates rise, bonds lose value. Bertelsen said three years of expected capital appreciation of a 10-year Treasury bond could be eaten up if interest rates spike.
"I do not expect that to happen," Bertelsen said. "I expect him to deliver a very clear message that signals an orderly, disciplined approach by the Fed."
Bertelsen has mixed views on the Federal Reserve's efforts to keep interest rates near record lows.
It has waged "a war on savers," he said, especially retirees who have seen income dry up from traditionally safe investments such as money market funds.
But for now, the economy is showing steady improvement, and Bertelsen predicts that Bernanke will not risk knocking the U.S. recovery off course.
Much hinges on Fed's actions, Sarasota adviser says
Southwest Florida has good reason to pay attention to what Federal Reserve Chairman Ben Bernanke says from Washington, D.C., today, because it could set the tone for financial markets for the rest of the year.


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Kelcey Boyce
Taking photos is just one of the ways I can express my creativity and appreciation for unique beauty. I am a visual person, and I truly enjoy opening my eyes and capturing life. It is all art, and I revel in its creation. This is where I post my inspirations, ideas and overall brainstorms that fuel my creativity.
All Beauty Blackandwhite Bridal BuckBrannamanClinic BuckBrannamanHorsemanship Country Davenport Davenport Hotel Editorial Equine Portraits Family Family Portraits Fashion Ferris Floral Football Formal Fun Graduation Haley Ross Handsome Horse Horsemanship IndieBride Inspirational Jane And David Jen Jen Bell Jen Bell's Horsemanship Journey Junior Kelceyboycephotograpy Lake Love Lumberjack Makeup Model Outdoor OutdoorPortraits Paper Portrait Pretty Prom Rural Sam Senior Senior Boy SeniorGirl Senior Portraits Spokanephotographer Stying Styled Shoot Tim Tuxedo Urban Wedding Wedding Portraits Woodnymph


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October 4, 2017
Today, the Working Lands Enterprise Board (WLEB) is pleased to announce the opening of this year�s grant cycle and the availability of approximately $750,000 in investments for the 2018 program year. Funds support projects across forestry and agriculture that enhance Vermont�s communities, economy and culture.
�The Working Lands Enterprise Initiative is critical for our Vermont farm and forest economies. The program demonstrates a strong partnership between the public and private sectors, led by the Agency of Agriculture, Food & Markets, Department of Forests, Parks & Recreation, and the Agency of Commerce and Community Development. This is an important use of funds to strengthen our working lands economies here in Vermont,� said Gov. Phil Scott. �The Working Lands Program is stronger than ever. It's growing the Vermont economy. We are entering our 6th year of this program, with more than $750,000 to invest in farm, food, forestry, and wood product businesses and service providers. If you are a Vt. working lands business or service provider, we encourage you to apply,� said Secretary Anson Tebbetts, Vermont Agency of Agriculture, Food & Markets. There are three types of grants Vermont working lands businesses can apply for. Click here for more information on each grant opportunity. Links for the requests for proposals, applications and deadlines can be found online at http://workinglands.vermont.gov/apply/rfp. Recorded Informational videos are posted at http://workinglands.vermont.gov/video for 24/7 viewing. Help us share the news!Link to this news on the webShare this news on FacebookReTweet this news


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|nine beautiful half yards of fabric and a new ruler
My mom kind of knocked it out of the park with this gift. I don't know about you, but I can't think of anything much better than a half-yard bundle of the Corsage line from Alison Glass's sun prints. Yeah I'm spoiled, spoiled rotten. Especially since she snuck in an Olfa 24 x 6 ruler.
|such saturated colours
|pinks and purples!
|and lovely soft colours


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House Speaker John Boehner was, apparently, badly bullied by his fellow Republicans—and President Barack Obama couldn't take it anymore. So, contrary to his beliefs and campaign promises, the president decided to help that "poor, orange man."
In the "Saturday Night Live" opening skit, Obama, played by Jay Pharoah, and Boehner, played by Bill Hader, held a joint press conference on C-SPAN, in which all the sordid—and hilarious—details of Republican harassment were revealed.
Pharoah, as Obama, said that he and Boehner would like to announce that they have reached an agreement to avoid the so-called fiscal cliff.
"In order to get the support of the Speaker, I agreed that there will be no tax increases," Obama said. "Now, why would I do that? I mean, I won the election. I had the leverage. Why give in? Well, simply put, I felt sorry for this man." Obama then put his hand on Boehner's shoulder to comfort him.
What Obama said he realized was "how badly the Republican party treats [Boehner] when he even considers raising taxes."
Obama, with occasional help from Boehner, proceeded to tell several stories of how Republicans have bullied the House Speaker. In the congressional cafeteria, they took Boehner's milk and threw it in the garbage; and later they put a rubber snake in his office desk.
But what really gained Obama's sympathy was what "happened on Thursday." Boehner was pushed, by fellow Republicans, into the congressional women's bathroom, naked from the waist down.
Obama said he was so upset that he offered Boehner a deal that in return for raising taxes on "the top two Americans -- just two people" he would dissolve Social Security.
But that wasn't enough. Republicans apparently lured Boehner to a "pizza party" at an abandoned warehouse where the Speaker was pelted with rotten eggs.
"Republicans, you win, but you leave this man alone," said Obama, consoling a crying Boehner.
During the Weekend Update segment of the show, Seth Meyers honed in on other headlines. The state of Washington recently legalized gay marriage and the recreational use of marijuana, which Meyers concluded is "great news for people who make cakes." On Thursday, President Obama lit the national Christmas tree—an event Meyers said Fox News reported as "Obama Insults Israel."
This week's "SNL" host, Jamie Foxx, appeared on Weekend Update as a big, chocolaty Hostess-brand Ding Dong, grumbling over his insufficient popularity: "With all this Twinkie talk, I thought everybody had forgotten about me … Y'all act like the Twinkie is the only one with a delicious, creamy filling."
The Ding Dong had a point.


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I've been meaning to talk about these Kao Vapor Relax Eye Masks for ages and ages. I've been buying these religiously for 18 months now and they are so good for when you need to relax, they totally soothe your eyes and or if like me, you suffer from chronic migraines and general head pain.
The Kao heated eye mask goes the other way from what we are use to using for headache relief – the cold pack. Instead this heats up to 40 degrees (you will sweat) and it completely soothes your head. It comes in 2 scents (I think) Lavender and Chamomile. I like both of them…
Each mask comes in a foil pack so you can transport them (great for travel). It does look like a sanitary pad though…so yes, it may look like you've stuck an Always towel to your face.
It gets HOT – not painful, just very warm and for me, it feels like I've dunked my head into a sauna. It's so relaxing and because I generally use it for when I have a muggy head it sends me off to sleep.
The eye masks have some kind of gel in the eye areas…At least that's what I think it is. Once it makes with your skin it begins to heat (loop it wound your ears to keep it in place).
To re-iterate, I find these great for:
1. Headaches
2. Eye strain
3. Insomnia
It's so good for migraines.
When I sense a migraine coming (I get the Halo), I immediately pop 2 strong painkillers, pop this mask on (it blocks all light out) and get under a duvet and sleep through it if I can!
Few places you can buy it from – Adambeauty.com, Yesstyle.com and eBay (try the seller Alphabeautyuk). It costs around £7 for a pack of 5 and you can buy bulk boxes.
Have you ever tried these?


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Janet Jackson sure is good at keeping a low profile when she wants to.
The 46-year-old singer-actress finally confirmed to Entertainment Tonight that she and billionaire beau Wissam Al Mana were married in 2012.
"The rumors regarding an extravagant wedding are simply not true," the couple said in a joint statement. "Last year we were married in a quiet, private, and beautiful ceremony."
Janet tweeted a solo holiday card amid engagement rumors
"Our wedding gifts to one another were contributions to our respective favourite children's charities," they added. "We would appreciate that our privacy is respected and that we are allowed this time for celebration and joy. With love, Wissam and Janet."
This is the third marriage for Janet, who was married to James DeBarge (1984) and Ren Elizonda, Jr. (from 1991 to 2000).
Check out these celeb weddings we can't wait for!


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114 results
Photorealistic SketchUp rendering bundled with lots of extras to create renderings, reports, and informative client presentations.
Adding doors, windows and frames-fully customizable- to your model in just seconds!
Create and modify 3D text geometry.
Add scenes orthographically by entering x,y,z offsets
Allura is a GPU Photorealistic SketchUp renderer utilizing Iray+
SUalive makes your model alive. Animate goups and components
Photorealistic Rendering integrated into SketchUp models. ArielVision is made for designers who want to create beautifully rendered images with an easy to learn user interface.
Automatically softens and smooths autofolded edges.
Bulk reset of group and component's axes.
A tool to create Bézier curves.


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H/T to a subscriber
This is about S 170 and HR 363. Refi at LV, not FMV, and appraisals are prohibited… Mortagee would presumably stay w/current servicer and lose existing rights, if any, re origination. New securities are rebundled for sale (PIMCO, Penny Mac, et al).
If this happens, it will happen under the radar via Super Committee, not transparent law-making.
No one is looking at this.
(Bloomberg) —
U.S. Democratic Senator Barbara Boxer said she found a Republican colleague to help push a bill requiring Fannie Mae and Freddie Mac to let homeowners refinance properties worth less than their existing mortgage.
Senator Johnny Isakson, of Georgia, agreed to back the proposal that is also supported by Bill Gross, who runs the world's biggest bond fund at Pacific Investment Management Co., Boxer told reporters today on a conference call.


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BIRMINGHAM, Ala.—After hitting the game-tying three-pointer with 32 seconds left in regulation, junior Larry Thomas led the Birmingham-Southern men's basketball team with 25 points in an 85-80 overtime win against Rhodes College, Sunday afternoon in Bill Battle Coliseum.
The Panthers move to 10-6 overall and 4-2 in the Southern Athletic Association; Rhodes falls to 11-6 overall and 4-2 in the SAA. It was the first home overtime game for BSC since Jan. 16, 2011, when the Panthers defeated Colorado College 93-80 in Bill Battle Coliseum.
BSC never trailed until late in the first half, when a three-pointer by Patrick McGrall would put Rhodes up by one, 39-38, before halftime. The Lynx held a small lead for much of the second half, going up by as much as seven, 55-48, with 12 minutes left, but BSC clawed back to tie it up 57-57 with 6:12 remaining. The remainder of regulation was back-and-forth between the teams, with neither leading by more than three.
After the score was tied 70-70 with 1:06 left, McGrall hit another big three with 41 seconds on the clock to put Rhodes up 73-70. The Panthers came back down the court and Thomas caught a pass from senior Jason Holland and took a three-pointer under pressure, nailing the shot—his fourth three of the game—to tie it up again 73-73 with 32 ticks remaining. BSC immediately called a timeout, and Rhodes took a three-point shot as time wound down, but it was no good, sending the game to overtime.
The Panthers opened overtime play with a Thomas layup before two free throws from Luke Collins tied it back up, 75-75. BSC was able to extend its lead to four, 79-75, after that, and stayed just ahead of the Lynx until they cut it to one, 81-80, with 1:45 remaining. Holland stepped to the free throw line after that, making one of two to put BSC up 82-80, and Rhodes turned the ball over on its next possession. After a BSC time out, sophomore Ross Welch put the Panthers up by four, 84-80, with a layup with 11 seconds left, and the Lynx turned the ball over again on their next chance. Rhodes fouled Thomas, and he made one of his free throws to put the Panthers up 85-80 with four seconds left in overtime. The Lynx got one shot off before the buzzer, an off-balance three-pointer, but it was no good and BSC came away with the victory.
Thomas led all players with his 25 points, going 7-16 from the field and 4-8 from beyond the arc, and also led BSC on the boards with seven rebounds. Schamp also had 16 points and Freeman had 11 points and three blocks. Holland dished out seven assists.
Six Lynx scored in double figures, led by Drew Miller with 15, and Geoff Livsey led with 10 boards. Johnny Dunavant led with five assists.
BSC out-rebounded Rhodes 36-24, and turnovers were even at 11 for each team.
The Panthers are at home again this Wednesday, Jan. 29, hosting non-conference rival Maryville College at 7 p.m. in Bill Battle Coliseum.


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Former first daughter Caroline Kennedy coasted through a Senate confirmation hearing to be the next US ambassador to Japan, promising to carry forward her father John F. Kennedy's legacy with humility.
The soft-spoken Kennedy told the US Foreign Relations Committee on Thursday that if confirmed, she would work to strengthen the crucial bond between the US and its Asian ally on trade, the military and student exchanges.
Japan is the US' fourth-largest trading partner and is home to the US Navy's 7th Fleet and 50,000 US troops.
With her husband, Edwin Schlossberg, son and daughter seated nearby, Kennedy said she understood her responsibility to uphold the ideals of her father — "a deep commitment to public service, a more just America and a more peaceful world."
Her father served in the Pacific during World War II, battling Japanese forces.
Caroline Kennedy, seeking the diplomatic post for a fierce enemy-turned-friend, said that if confirmed, "I would be humbled to carry forward his legacy in a small way and represent the powerful bonds that unite our two democratic societies."
She noted the significance of her nomination 50 years since her father's presidency, focusing on his tenure rather than on his assassination on Nov. 22, 1963.
Kennedy faced gentle questioning from Republicans and Democrats on the committee, signaling that she faced no obstacles to confirmation. Several senators said she would make a great ambassador.
Kennedy said that her father had wanted to be the first sitting US president to make a state visit to Japan, especially since he was a World War II veteran.
Kennedy said she visited Japan in 1978 with her uncle, then-Senator Ted Kennedy, and was moved by a visit to Hiroshima. Attending the hearing was Vicki Kennedy, the senator's widow.
"This is indeed an important moment in the history of US-Japan relations," she said. "Japan is enjoying a period of political stability and economic renewal and is eager to increase trade and investment with the United States."
US President Barack Obama chose Caroline Kennedy, 55, an attorney and best-selling book editor, for the diplomatic job.
If confirmed, she would be the first woman in a post from which many other prominent Americans have served to strengthen a vital Asian tie, including the late senator Mike Mansfield, former senators Walter Mondale and Howard Baker and former representative Tom Foley.
"You have a good sense of what national interests are," said Senator Bob Corker, the senior Republican on the panel.
Republican Senator John Barrasso pressed Kennedy on whether she would work to end the Japanese tariff on soda ash, or sodium carbonate, a critical deposit in his state of Wyoming.
Barrasso said it was the Wyoming Democratic delegation that put candidate John Kennedy over the top at the 1960 convention and mentioned that 13,000 turned out in Laramie for a speech by the late president in 1963.
"I wouldn't be sitting here if it weren't for the state of Wyoming," Kennedy told the senator in promising to look into the tax issue.
Caroline Kennedy helped propel Obama to the Democratic presidential nomination with her endorsement over former US secretary of state Hillary Rodham Clinton — the only time she's endorsed a presidential candidate other than her uncle Ted in 1980.
If confirmed, Kennedy would replace John Roos, a wealthy former Silicon Valley lawyer and top Obama campaign fundraiser.


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Budget Battles
Medicaid Work Rules Approved for South Carolina
Chart of the Day: Drug Price Plans Compared
Watchdog Questions $6.7 Billion in Medicare Payments
House Passes Pelosi's Sweeping Drug Bill
Shocking Health Care Statistic of the Day
Ready to Rumble: How Pelosi's Drug Bill Sets Up Dems for 2020
Increasing Number of Americans Delay Medical Care Due to Cost: Gallup
The Fiscal Challenge for the Next Recession
The federal budget deficit for fiscal year 2019 was nearly $1 trillion. "In the next downturn, don't be surprised if this number hits $2 trillion," writes Nick Timiraos, The Wall Street Journal's...
Does the Deficit Matter? Congress Asks Four Top EconomistsBy Yuval Rosenberg and Michael Rainey
Wednesday's impeachment hearings will rightly dominate headlines given the bombshells in Ambassador Gordon Sondland's testimony, but they weren't the only hearings happening in Congress. The House...
How the Deficit Looms Over the Democratic Presidential Race
Democrats are set to hold another presidential primary debate Wednesday night, and if the pattern from past debates holds true, we'll likely hear the 10 candidates on stage talk a lot about health...
Rethinking the Debt Threat: House Panel to Hold Hearing Next Week
The House Budget Committee will hold a hearing next week examining the costs and consequences of federal debt, with four prominent economists slated to testify. Ahead of the hearing, Democratic...
Cost of Wars Since 9/11: $6.4 Trillion and RisingBy Michael Rainey
The total cost of the wars fought since 9/11 is approaching $6.4 trillion, according to an annual report published Wednesday by the Watson Institute for International and Public Affairs at Brown...
National Debt Hits $23 TrillionBy Michael Rainey
Total federal debt has surpassed $23 trillion for the first time, according to data released by the Treasury Department Friday. Of that amount, $17 trillion is debt held by the public, which is...
Two Takes on Republican Debt Hypocrisy
The federal deficit for fiscal 2019 was nearly $1 trillion, and the national debt is going to hit $23 trillion within a matter of days. President Trump once said he would eliminate the national debt...
The Budget Outlook Isn't Good — but It Has 'Improved Substantially Since 2010': Report
The national debt is now approaching $23 trillion, up nearly $9 trillion from the end of 2010, and the debt held by the public now stands at nearly $17 trillion, up about $7.5 trillion from since the...
2019 Deficit Was Just Under $1 Trillion, Highest in 7 Years: CBO
The federal budget deficit for fiscal year 2019 grew to $984 billion, or 4.7% of GDP, the highest since 2012, the Congressional Budget Office estimated on Monday. The total for 2019 is 26% higher...
McCarthy Says Debt Will Be 'Taken Care of' if GOP Wins the HouseBy Michael Rainey
Minority Leader Kevin McCarthy said Thursday that the national debt would be his top priority if Republicans succeed in retaking the House in 2020. "First thing we would do is make sure our debt is...
Should the US Issue 100-Year Bonds?By Michael Rainey
Treasury Secretary Steven Mnuchin said Wednesday that the U.S. is considering issuing ultra-long U.S. bonds – debt in 50- or 100-year durations. "If the conditions are right, then I would anticipate...
Is a Big Jump in Federal Spending Now Inevitable?By Michael Rainey
A group of influential investors and policy wonks says that a major expansion of government spending appears all but inevitable in the next few years. Barry Ritholtz, a Bloomberg columnist who runs...
Budget Watchdog Pitches Plan to Fight the Next Recession Without Increasing the Debt
Sooner or later, the United States will enter another recession. As we told you last week, when that time comes, the focus will be on fiscal policy and how or whether policymakers step up to boost...
Will Fiscal Policy Be There When the Economy Needs It Most?
Central bankers around the world are looking for help. The New York Times's Jeanna Smialek reports : "As top economists from around the globe gather for their annual conference at Jackson Hole this...
The American Public Has a Plan to Cut the Deficit: Higher Taxes
As evidenced by the CBO numbers above, lawmakers may be placing little importance on the rising deficit, but the American public apparently takes a different view. Writing at The Washington Post's...
The Debt Directory
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For Paris Hilton's tenth fragrance, Tease, the reality starlet is going old Hollywood.
"I got to dress up like my idol Marilyn Monroe, and we ended up with some great photos," the 29-year-old told People, when asked about the ad campaign for her latest scent. "She's always been such an inspiration to me."
According to the mag, Tease is a fruity-floral blend that includes hints of Fuji apple, white peach nectar, white flowers – plus base notes of amber, blonde woods and warm sand.
"Tease is a really sweet and flirty scent, so the name is very fitting," Paris said. "It's playful and sexy –perfect for grabbing attention."
Tease is slated to hit shelves in June.
Related Content from AccessHollywood.com:
VIEW THE PHOTOS: Paris Hilton's Journey From 'Simple' To Superstar!
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MORE ACCESS ON THESE TOPICS: Paris Hilton - Style - TV - Reality TV


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Freageare Surname Ancestry Results
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OWINGS MILLS, Md. - It was as if linebacker Ray Lewis, safety Bernard Pollard and the rest of the Baltimore Ravens' defense set out to provide a quarter-by-quarter demonstration of how they do business.
About 11 minutes into the AFC championship game against Tom Brady and the New England Patriots, Lewis drew a 15-yard unnecessary roughness penalty for a helmet-to-helmet hit that pushed tight end Aaron Hernandez's chin strap up near his nose.
Then, in the second quarter, linebacker Dannell Ellerbe gave New England another free 15 yards by hitting an offensive lineman in the face mask in response to an after-the-play shove.
Fast-forward to early in the third, and Pollard was flagged for his team's third personal foul of the day, thanks to a leaping hit against the helmet of receiver Wes Welker. Two plays later, Welker dropped a third-down pass.
And finally, a couple of minutes into the fourth, Pollard struck again. No penalty was called this time, but his helmet-to-helmet hit on Stevan Ridley resulted in a fumble and left the running back on his back, looking limp and helpless. Ridley left the game with a head injury, while the Ravens recovered the football and were on their way to next Sunday's Super Bowl against the equally aggressive San Francisco 49ers.
In an age of high-powered offenses - this season's games featured 45.5 points, the highest average since 1965 - and increasingly safety-conscious officials, a pair of hard-hitting,
oft-penalized defenses are meeting for the championship. Those second-half shutouts of the Patriots and Atlanta Falcons in the conference title games were only the latest reminder from the 49ers and Ravens that defense still matters.
Sometimes it isn't about some sort of newfangled, complicated Xs-and-Os defense, either. It's about players pushing it to the limit - and, sometimes, perhaps beyond - in a league that has been taking steps to rein in certain kinds of hits.
"Being physical? That's vital, man. That's what we live by," Baltimore cornerback Cary Williams said.
What about San Francisco's defense?
"They're just as physical as we are," Williams replied.
San Francisco defensive lineman Justin Smith deflected a question about whether his defense is as good as Baltimore's, replying: "I mean, we're just trying to win a ring."
Opposing offenses scored 15.5 points per game against the 49ers, which ranked third in the 32-team NFL in the regular season. The Ravens gave up 20 per game, 11th-best.
The 49ers allowed only two touchdown passes of 20-plus yards.
During the regular season, the Ravens were whistled for an NFL-high 19 personal fouls. Their team also was penalized more yards overall than anyone else.
"When you go against a team that has that kind of reputation, and you can watch it on film, it definitely gets in your mindset and you know you have to deal with it," Ravens linebacker Paul Kruger said. "I'm not sitting here saying that we're intimidating everybody or anything like that. But you know we're coming to hit you, for sure."
Pollard put things a little more starkly.
This is a guy who has developed a knack for leaving injured opponents in his wake. It was his Week 1 hit on Brady in 2008 that cost the star QB the rest of that season.
"For everybody, for fans, people who don't understand - they want to say, well, I'm being a dirty player. Well, no, I'm not being a dirty player. I'm just playing defense," said Pollard, a seventh-year veteran out of Purdue. "And I ask you the question: If I came into your house, with your door locked, and I just kicked it down, and came to try to steal stuff, you're going to defend your house, am I correct? So that's the stand I take.''


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State Codes and StatutesStatutes > West-virginia > 31 > 31-18-4
§31-18-4. Composition; board of directors; appointment, term, etc., of private members; chairman and vice chairman; quorum.
(a) There is continued as a governmental instrumentality of the State of West Virginia, a public body corporate to be known as the West Virginia Housing Development Fund.
(b) The Housing Development Fund is created and established to serve a public corporate purpose and to act for the public benefit and as a governmental instrumentality of the state of West Virginia, to act on behalf of the state and its people in improving and otherwise promoting their health, welfare and prosperity.
(c) The Housing Development Fund shall be governed by a board of directors, consisting of eleven members, four of whom shall be the Governor, the Attorney General, the Commissioner of Agriculture, and the State Treasurer, or their designated representatives as public directors, and seven of whom shall be chosen from the general public residing in the state, as private directors. No more than four of the private directors shall be from the same political party.
(d) Upon organization of the Housing Development Fund, the Governor shall appoint, by and with the advice and consent of the Senate, the seven private directors to take office and to exercise all powers thereof immediately, with two each appointed for terms of two years and three years, and with three each appointed for terms of four years, respectively, as the Governor shall designate; at the expiration of said terms and for all succeeding terms, the Governor shall appoint a successor to the office of private director for a term of four years in each case.
(e) A vacancy in the office of a private director is filled by appointment by the Governor for the remainder of the unexpired term.
(f) The Governor may remove any private director for reason of incompetency, neglect of duty, gross immorality, or malfeasance in office and appoint a director to fill the vacancy as provided in other cases of vacancy.
(g) The Governor or designee serves as chair. The board of directors shall annually elect one of its public members as vice chair and appoint a secretary to keep records of its proceedings, who need not be a member of the board.
(h) Six members of the board of directors constitutes a quorum. A vacancy in the membership of the board does not impair the duties of the board of directors.
(i) Action may not be taken by the board of directors except upon the affirmative vote of at least six of the directors.
(j) The directors, including the chair, vice chair and treasurer, and the secretary of the board are not compensated for their services but receive reasonable and necessary expenses actually incurred in discharging their duties under this article in a manner consistent with guidelines of the travel management office of the Department of Administration.