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Prepaid Debit Cards go Mainstream
Prepaid debit cards have some good things going for them and now they're more widely available than ever. Even Walmart has gotten into the act with its Bluebird card.
What's so great about the cards?
- You don't need good credit to get one.
- They're safer than carrying cash.
- They can be used like a credit card, even for online purchases.
- They can't be overdrawn like a checking account can.
Any downsides?
- They won't help you build your credit.
- Credit cards and checking account bank debit cards offer more consumer protection.
- Most come with significant fees—the Bluebird card is an exception.
Bluebird cards, rolled out by Walmart last month, can be used wherever American Express cards are accepted. There are no activation, monthly, or annual fees. Money can be added to cards at Walmart stores, online, through direct deposits, or by linking them to a checking or savings account. An app is available that allows you to deposit checks with your Smartphone. The Bluebird card can be used for free at MoneyPass ATMs.
Prepaid debit cards…ideal for teaching teens about money management and a smart alternative for anyone who tends to lose track of their checkbook balance!


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Board-certified in Occupational Medicine, Aerospace Medicine, and a host of other related medical specialties, Stephen MacDonald, DO, MPH, MBA shares an Occupational Medicine and Aerospace Medicine practice with his identical twin brother, Michael MacDonald, DO, MPH, MBA, a fellow Health First Physicians' Occupational Medicine and Aerospace Medicine Specialist.
Dr. Stephen MacDonald's professional interests include; an array of standardized physical examinations such as Department of Transportation (DOT), Respirator Clearance, Pre-Employment, Medical Surveillance, Merchant Marine, and Coast Guard. He is a Designated Civil Surgeon and as such, authorized to perform Immigration and Naturalization Examinations. He is a Designated Senior Aviation Medical Examiner (AME) and performs all types of Aviation Medical Examinations including Air Traffic Control for the Federal Aviation Administration (FAA). His office also provides Travel Medicine consultations along with any recommended vaccinations and prescription medications. He is a Certified Independent Medical Examiner and will perform Independent Medical Examinations (IME's) and provide Expert opinions at the request of employers, insurance carriers, attorneys, courts, etc. His office performs urine drug screen collection and evidentiary breath alcohol testing and as a Certified Medical Review Officer (MRO), he can provide professional evaluation of such drug and alcohol test results when requested.
Dr. Stephen MacDonald attended the Nova-Southeastern University College of Osteopathic Medicine in Miami, Florida. Upon graduation, he completed an Internship in Family Practice at the Pensacola Naval Hospital. He subsequently completed U.S. Navy Flight Surgeon training and continues to serve as a Flight Surgeon in the Navy Reserves. He completed his Residency training in Occupational and Environmental Medicine at The Harvard University School of Public Health.


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No Caterpillar, No Cocoon?
Plus--Whistling past the libel graveyard.
John Edwards, opiate of the Dems: Rare Rasmussen bounce (for Kerry) nearly all gone. ... But the Edwards pick may have had one more durable effect--ending, or at least postponing, widespread Dem pessimism, a.k.a. Panic. The percentage of Democrats who now think Kerry will win is way up. ... Is Edwards like a narcotic--calming the Dems during the convention period, only to have them wake up later, when it's too late, to the grim pain of the unappealing personality who heads the ticket? Just a thought! ... P.S.: Alert reader Bob S. notes that while everyone was focused on Edwards' bounciness, the Republicans made a giant gain in Rasmussen's generic Congressional preference poll, completely wiping out in one week what had been a nine-point Democratic advantage. Maybe the debate on the constitutional anti-gay-marriage amendment wasn't such a political loser for the GOPs after all. ... 11:15 A.M.
Guess It Really Was A Nagourney Problem: Richard Stevenson appears instead of Adam "Caterpillar" Nagourney in the NYT writing credits for the latest Times/CBS Poll. Have Nagourney's superiors realized how awful his last effort was? ... Whatever the reason for his absence, it's not the same without him. There's no cocooning pro-Democratic spin! Just a sensible account of a poll with some good news and not-so-good news for the Dems. Even the headline ("No Poll Boost From Edwards") is unspun--at least not in a pro-Dem direction. This can't go on. ...It didn't. The Web headline has now been changed to "Public Likes Edwards, But Race is Still Close." The hed in the print edition is the even more morale-boosting "Public Warms to Edwards; Race Still Close." Shift change at the copy desk? Or orders from Moscow? You make the call. ... 2:13 A.M.
Friday, July 16, 2004
The Wall Street Journal quotes amedia lawyer, Jack M. Weiss, saying that Dr. Steven Hatfill, who is suing New York Times columnist Nicholas Kristof, will
have a "hard time" proving that the columns said or even implied that Mr. Hatfill was guilty [in the 2001 anthrax attacks].
Weiss must not have been reading the same Kristof columns I read. ... Weiss also says Hatfill has to show
the Times published the columns knowing or suspecting that they falsely accused him of being guilty.
Maybe there's been some new development in libel law* [see Update], but doesn't Hatfill only have to show that the Times acted with "reckless disregard" for the truth or falsity of the charge? ... I think the Journal--and Editor & Publisher--are helping the Times whistle past the graveyard on this one. ... P.S.: Is Hatfill even a "public figure," the trigger for these more permissive libel rules?
*Update: Jack M. Weiss emails to say I am indeed wrong about current libel law:
Although the literal formulation of the actual malice standard encompasses either knowing falsity or "reckless disregard" of the truth, the Supreme Court, and numerous other federal and state courts, over the course of nearly forty years repeatedly have interpreted "reckless disregard" to require that plaintiff show, by clear and convincing evidence, that "the defendant in fact entertained serious doubts as to the truth of his publication." St. Amant v. Thompson, 390 U.S. 727, 730 (1968). This is a subjective standard, not an objective standard of "recklessness" or gross negligence, as might be suggested by a quick reading of the term "reckless disregard", and by your published comment. Contrary to your comment, I am therefore entirely correct in stating that, if Hatfill is a public figure, he will have to show--by clear and convincing evidence, no less-- that the Times and/or Mr. Kristof published knowing of or "suspecting" (my shorthand for "in fact entertaining serious doubts as to") the falsity of what Mr. Kristof wrote.
If Hatfill does have to show "serious" subjective doubts on Kristof's part, than Weiss was in fact right and I was under a misapprehension. (If any First Amendment types out there disagree with Weiss, please let me know at firstname.lastname@example.com.)
But a) If Hatfill can use as evidence of Kristof's subjective doubts the objective circumstances of what he did--i.e. whether an ordinary man would have surely had doubts, given the reporter's (reckless? diligent?) behavior--then the two rules (actual subjective doubts vs. reckless behavior) might amount to the same thing; b) If Hatfill can't use the objective circumstances as evidence, then a "serious doubts" requirement would seem wacky, even if as Weiss says it's the law of the land. It would reward reporters for being so zealous or stupid that they do not entertain doubts even if they are hurling what reasonable people would think are reckless charges; and c) Given that it's at least unclear if Hatfill is a "public figure" who qualifies for this protection, I still think the Times is massively exposed here. ... 10:31 A.M. link
Petrelis Files has an interesting list of journalists who've contributed to political candidates. ... Jann Wenner gave $2,000 to Al Sharpton! ... David Talbot of Salon is only down for $500 to Dean. Cheapskate. ... Manohla Dargis, new NYT movie critic, gave Dean just as much. But Vanity Fair'sElise O'Shaughnessy maxed out! ... And Rupert Murdoch maxed out ... for Kerry. That must be how he got that big Gephardt scoop! ... P.S.: Also, Petrelis says
President George Bush didn't receive a single donation from any outlet or reporter in my search.
P.S.: I gave to Kerry at least partly in the hope that I'd be attacked for this gross violation of journalistic ethics. No such luck. ... Yoo hoo, Poynter people. Over here. ... Update: Murdoch maxed out for Kerry in 2001, not in the current presidential cycle (in which Murdoch gave to Bush). ... 3:09 A.M.
Wednesday, July 14, 2004
Kerry Fever Update: Still time for Dems to panic ...
June WaPo poll: Bush down four.
July WaPo poll: Tied.
That's with the alleged Edwards Bounce. ... Note: The July poll was a WaPo poll, not (as indicated in an earlier version of this item) a WaPo/ABC poll. Are the two polls comparable? The Post's story itself compares them--albeit in paragraph #7. ... 4:38 P.M.
... I have been endeavoring to calculate just how many blue-collar men a T.A.N.F. [welfare] recipient needs to marry to lift her family out of poverty.
The answer turns out to be approximately 2.3, which is, strangely enough, illegal.
I can't tell if Ehrenreich is joking about the "2.3" or if she's up to her old tricks (as when she wrote in 1986, with Frances Fox Piven, that long-term recipients were only a "tiny minority" of welfare mothers, when in fact they were nearly two-thirds of those on the rolls at any one time). If she's serious, how exactly did she calculate that 2.3 figure? ....Some numbers: The 2004 government poverty line for a family of four is about $18,850. For a family of three it's about $15,500. (The exact amount depends on whether you're using the Census or HHS line.) ... Even at the current minimum wage, a full-time worker earns $10,700 a year and an Earned Income Tax Credit of $2,500 (three person family) to $4,200 (four person family). Add in $3,000-4,000 of food stamps and subsidized Medicaid or CHIP health care for the children, and you're well above the poverty line even with a single breadwinner and a stay-at-home mom. ... Is Ehrenreich saying the poverty threshold is set too low? Fine--I'd have trouble living on it even without a family--but then she should tell us what idiosyncratic definition of "poverty" she's using. Is she assuming the "blue collar" man can't find even minimum-wage work? If so, again, why not make this assumption clear? ... Or is Ehrenreich, in the fashion of some left-wing organizers, simply ignoring the programs (especially the Earned Income Tax Credit) liberals have struggled to put in place to help low-income earners? ... P.S.: I doubt it's intuitively obvious to most Americans that the families of women married to typical blue-collar workers live in poverty. (Most blue collar workers make more than the minimum wage, and most wives work too.) The burden would seem to be on Ehrenreich to explain her startling stat. ... 2:35 P.M.
"...what a waste the year had been": The unexpectedly entertaining Eduwonk praises Samuel Freedman's Page 21 NYT coverage of Brooklyn Latino parents opposing the bilingual programs imposed on their children, which Mayor Bloomberg campaigned against but then preserved:
The grievances of Bushwick's parents point at an overlooked truth. The foes of bilingual education, at least as practiced in New York, are not Eurocentric nativists but Spanish-speaking immigrants who struggled to reach the United States and struggle still at low-wage jobs to stay here so that their children can acquire and rise with an American education, very much including fluency in English.
If Latino parents don't want bilingual ed, and it doesn't work, who keeps it in place? A Brooklyn activist (quoted by Freedman) says "And it's intensively guarded by the local politicians and the teachers' union." ... No doubt the 2004 Democratic party platform will take a strong stand against this powerful interest that stands in the wayof the working-class Latino parents Freedman describes ... P.S.: Just off the top of your head, which education system would you think helps build "One America"--a system that teaches different students in different languages or a system that teaches all students in a common language? ... 11:08 A.M.
Tuesday, July 13, 2004
I'll try to respond to Austin Bay's criticisms at greater length. But I should say quickly that (as Glenn Reynolds suspects) when I wrote about a "break from Bush's strident public global terror war," I wasn't arguing for a halt or pause in our soldiers' efforts in Iraq. The idea is to win in Iraq and Afghanistan but stop and think calmly when it comes to what the next step should be--without automatically declaring both conflicts mere parts of a titanic lifetime global conflict, an announcement that carries the risk of self-fulfillment. If this is a war unlike other wars, the World War II analogies don't apply in every respect. It might be a war we win by being less grandiose, righteous and excited for a period--especially if we're already accomplishing what we want to accomplish in Iraq (i.e., giving democracy root in the Arab Middle East). ... P.S.: I undoubtedly gave the wrong impression by initially using the phrase "time out." I removed it as soon as I realized the connotation, but that was too late to stop it from getting around. (I was thinking that you often call a "time out," even when you're winning a game, in order to rejigger your strategy--but it's still a lousy metaphor. Peggy Noonan, I should note, did not use this bad metaphor when discerning the longing for a "return to normalcy.") ... 2:34 A.M.
Let K Street Be K Street Again! I never understood what was so scary about of Grover Norquist's "K Street Project," as denounced by the Washington Monthly's Nicholas Confessore and public radio's "Marketplace." Confessore says this is what has been happening:
The corporate lobbyists who once ran the show, loyal only to the parochial interests of their employer, are being replaced by party activists who are loyal first and foremost to the GOP.
a) Didn't The Washington Monthly used to be a magazine that praised partisan machines and denounced activists who became lobbyists to serve the "parochial interests of their employer"? Oh, for the glory days of K Street! When influence-peddling was an open-minded and bipartisan enterprise. When civility reigned as Republican and Democratic sellouts cooperated to betray their parties' ideals. ... b) The main flaw in setting up the K Street Project as a bogeyman is this: Won't K Street go back to being Democratic if the Democrats manage to win some elections? Why would self-interested corporations keep Republican lobbyists if Republicans stop being elected to controlling positions in Congress and the White House? The answer, we now know, is they won't. The Motion Picture Association and several other lobbying groups have started to hire Democrats in prominent positions, in part because they anticipate a resurgence of Democratic power. (That was one not-so-hidden message of Glickman's ascendancy: Hollywood studio heads actually think Kerry will win. I am not completely without inside sources on this.) ... Worrying about the K Street Project, then, is worrying that Republicans will have power when they are in power. That's not as big a worry as the worry that Republicans will have power when they aren't in power. ... P.S.: Kinsley's funny piece on Glickman points to a more disturbing possibility--that the K Street Project isn't about making lobbyists subordinate to politicians. Rather, it's a reflection of the new reality that politicians are now subordinate to lobbyists in status. Maybe the Republicans want those jobs because they're good jobs and that's why they're in the business. If only they were ideologically-driven party activists. ... Confessore and the K Street Project's critics, to the extent they hold up lobbying as some sort of honorable pursuit sullied by Norquist's partisanship, actually reflect and reinforce the nefarious status inversion Kinsley describes. ...
Update: Confessore responds.12:57 A.M.
Monday, July 12, 2004
Last Wednesday, California Assemblyman Mervyn Dymally called on the state's Education Secretary, Richard Riordan, to resign after Riordan joked at a reading event that a 6-year old's name--Isis--meant "stupid, dirty girl." "Would he have done that to a white girl?'' asked Dymally. After learning that Isis was, in fact, white, Dymally cancelled a press conference scheduled for the next day. ... Dymally explained the cancellation by citing Riordan's apology--although he'd earlier declared that Riordan "needed to do more than just apologize." ... P.S.: Perhaps aware that he'd made an utter fool of himself, Dymally then dramatically suspended his staff director, claiming the aide had scheduled the press conference without his permission. ... 10:46 P.M.
My candidate: Did John Kerry really say, in answer to the simple question of whether Bush's Iraq policy had increased the chance of a terrorist attack on America, that he'd have to wait for "the briefing that I'm waiting to get this weekend"? I think he did! Pathetic. ... P.S.: At least he didn't get testy! ... O.K., O.K., at least he didn't throw anything. .. P.P.S.: Two weeks left for Dems to Panic. Imagine if Kerry does something like that in the debates. ... [Link via Maguire via Instapundit ] 9:56 P.M.
Saturday, July 10, 2004
Roger L. Simon doesn't "despise Bush personally" yet he's voting for him. Curious behavior ... 12:42 A.M.
Friday, July 9, 2004
Caterpillar's Tricks: Fellow Kerry-basher John Ellis says the "talk of the political community" is that there has been "almost no" Edwards Bounce--and the NYT's Adam Nagourney (with his carefully crafted 'comes-at-a-time' hype sentence *) is spinning the Dem's cocoon again. ...
*--The hype sentence:
The Democrats' emerging plan for Mr. Edwards comes at a time when Democratic and even some Republican officials suggest that Mr. Kerry's vice-presidential selection has the potential of being the most politically significant choice since another Massachusetts Democrat, John F. Kennedy, turned to another Southerner, Lyndon B. Johnson, in 1960. [Emphasis added.]
[What's wrong w/ 'comes at a time'?-ed. It's a hack formula that allows the reporter to make any speculative connection he wants to propel the story in the direction he deeply wishes it to go. As in "The controversy over Nagourney's credibility comes at a time when even some Democrats suggest he has the potential to be the most embarrassingly wrong Times correspondent since Judith Miller." That wasn't so long ago.-ed. And which way does that cut?] ... Update: RCP's poll survey does show a small but discernable Edwards Bounce. Even Rasmussen's bouncin' a bit. This does not make Edwards the most politically significant choice since LBJ. ... That was fast: MSNBC reports "the bounce for the Kerry campaign was small." And it appears to be dissipating rapidly: Princeton Survey Research's poll for NBC on July 6 showed an 8 point Kerry-Edwards lead. The same outfit conducted Newsweek's poll on July 8 and 9 and found only a 3 point K-E advantage. .... 11:47 P.M.
Thursday, July 8, 2004
Kerry 'Opt-out' Scenario-fest: He's broken campaign spending promises before ... It turns out Prof. Rick Hasen askedkf's question--why can't Kerry pre-buy fall campaign ads with his pre-convention money?--over a month ago. Hasen's post drew a response from everybody's favorite D.C. campaign finance source, attorney Trevor Potter, who wrote:
The Agreement the party nominee signs with the FEC in order to receive general election public funding commits the nominee to using only the public funds for activity during the general election period (defined as the date of nomination to the election). Therefore, the nominee may NOT "pre-fund" general election activity with primary funds. The FEC audits all publicly funded Presidential campaigns, and this issue has come up in those audits with some frequency, with a repayment of public funds required where such prepayment has occurred. [Emphasis added]
OK, I get it now. The campaign finance laws treat the pre-convention period as a single, (primary) election, which ends at the convention. If you pay for anything that happens after that date, it can't possibly be spending for the primary. It's a general election expenditure and has to be made with public funds (assuming Kerry doesn't 'opt out'). ... Two problems with this answer, though. Problem #1: One of Hasen's readers notes that if, as Potter suggests, the penalty for post-convention spending is simply that the money has to be repaid, isn't that still a good deal for a campaign?
[F]or all practical purposes you can LOAN your campaign the money from the funds raised before the convention? After all, that's what a loan is, money given to you when you need it, that you have to pay back later.
Is there some additional penalty that gets tacked on to make the loan not free? ... Also, if the FEC orders repayment only after the expenditure has won election, isn't that a bit too late? Problem #2: I still think Potter's rule must be very hard to police. Suppose for purposes of argument that Kerry consultant Tad Devine's normal fee is about $20,000 a month (I insult him). Now suppose Kerry instead pays Devine $30,000 for the three primary election months leading up to the convention, but Devine then agrees to a "pay cut" to $10,000 a month for the three months after the convention (perhaps justified as necessary in order to conserve limited 'public' funds). Devine makes the same amount of money in the end--but arguably the Kerry campaign will have subsidized 50% of his post-convention activity with pre-convention cash. Yet how would the Republicans (or, if the situation were reversed, the Democrats) ever prove it?... Plus, if the only penalty for getting caught is that the money has to be paid back after the election--well, see Problem #1. ...
a) It wouldn't make any sense for Kerry to blatantly pre-pay expenses. That would maximize the chances of the expenses being quickly caught in the FEC audit. He'd clearly have to pay the money back. But I'm now not convinced that means Kerry in practice needs to spend all his primary money by the end of the convention. Why can't he do this: Keep the pre-convention money in the bank. Take the $75 million in free federal funds. Then, if in late October, say, he thinks he needs to spend more in a close race, he can bust his agreement with the FEC and spend some of his leftover primary stash. He'd have to pay it back to the government later, and the famously toothless F.E.C. might try penalize him in an "enforcement" action. But meanwhile, he gets to be President. ... Think Kerry wouldn't break an agreed-to spending cap just because it's in his interest to do so? Tell it to Bill Weld! ... Update: Prof. Hasen thinks any spending over and above the agreed-to cap might be caught quickly, causing instant, prohibitively damaging negative publicity. ...
b) If Kerry simply opts out of public financing, then he won't have to agree to use only public money, so he could presumably spend his primary dollars in the fall. The main reason to think Kerry won't opt-out of public financing is that his spokeswoman, Stephanie Cutter, has flatly promised he won't.
"We are not going to opt out of the system," Ms. Cutter said.
But don't you think that Kerry aides, even as we speak, are figuring out scenarios in which they could get away with breaking this promise? The break would be billed as a response to some alleged misbehavior by the Bush campaign, of course (as Kerry's 1996 Weld reneging was billed as a response to a bogus alleged violation by Weld). Maybe it would be a response to Bush's failure to promise that he wouldn't opt out of public financing after his convention in late August. ...
c)And here's another Explainer candidate: Why couldn't Kerry take the $75 million public money, promise not to spend private money--and then, if Bush opts out in late August, Kerry could announce that he was returning the $75 million to the government and would raise his own. Rationale: Because Bush wouldn't promise to abide by the spending cap he considered his earlier promise null and void, had to level the playing field, etc. This promise-in-July/renounce-in-September approach would preserve Kerry's ability to opt out if Bush does--while allowing Kerry enough time to raise a lot of post-convention private money to add to the primary stash discussed in (a). Do you really think the FEC would go after him for committing to use public funds and then changing his mind?... All he'd lose, compared with opting-out right away--would be the money he could have raised in August.
Correct me if I'm wrong! 11:15 P.M.
The LAT issues a defensive and un-mensch-like correctionof its false anti-Bremer report (that he didn't give a farewell speech "as if he were afraid to look in the eye the people he had ruled"). Patterico notes that it's hardly an excuse that the speech was "not publicized to the Western news media." If something's not publicized does that mean it didn't happen. Are LAT reporters totally dependent on handouts from Bremer's office? Iraqis knew about the speech. ... Update: It's actually not that bad. It's worse! Bremer's speech was on CNN. ...12:55 P.M.
Roll Over Howell (and tell Nina Bernstein the news): The NYT now says that renewing the 1996 welfare reform ("one of the acclaimed sucessess of the past decade") is a "no brainer." Who could ever have thought anything different? Stuart Buck goes to town. ... 2:51 A.M.
Mickey's Assignment Desk: Explainer, Please! We're told that once John Kerry and George Bush accept public funds to run their campaigns after their respective nominating conventions, they will
be banned from raising funds or spending funds contributed prior to the nomination. [Emph. added]
That presumably means Kerry must somehow spend all the record-breaking millions he's raised so far before the convention. But what can he spend it on? Can he pay for October ad time in advance? (How do you stop him?) Can he pay Bob Shrum and his other consultants their full-year fees? Can he pay for his plane in advance? If so, the restriction might not be so hobbling. But it was hobbling enough that Kerry considered delaying his formal acceptance of the nomination to postpone the cutoff date. So how, exactly, does it hobble? ... Do we have a post-9/11 blood transfusion situation here, with a spontaneous outpouring of aid for Kerry that's so large he can't possibly profitably use it all? Is it a scenario in which he might as well spend it on luxury hotels for his posse? The NYT recently reported
They have begun chartering a 757, packed with first-class seats, good food, sleeping accommodations -- even a stand-up bar. They hardly shy away from top hotels, like the Four Seasons in Palm Beach and the St. Regis in Los Angeles.
Hmmm. I gave Kerry $300 and don't particularly want it to go to the Four Seasons! ... Explain this too: Kerry's being urged to opt out of public financing for the general election--that means refusing federal money and relying on private donations, as he did in the primaries. But would this allow him to spend in September and October the millions he now has in the bank? Or would it merely enable him to raise more money after the convention than the feds will provide? ...P.S.: Isn't it kind of obvious,when you think about it, that Kerry will opt out? ....[Wait a minute. Y ou gave money to Kerry?-ed. Yes. Doesn't that violate journalistic ethics?--ed. Not mine, as long as I disclose it, which I just did. The danger is that having invested in him, I'll now go soft on him. Don't worry! You think he'll be a failed, Carter-like President--ed. True. But we survived Carter and we'd survive Kerry (though it will be a long, hard slog!). I plan to vote for him because I think a) we need a break* from Bush's strident public global terror war in order to prevent it from becoming a damaging, lifelong West vs. Islam clash--in order to "rebrand" America and digest the hard-won gains we've made in Iraq and Afghanistan (if they even remain gains by next January). Plus, b) it would be nice to make some progress on national health care, even if it's only dialectical "try a solution and find out it doesn't work" progress. I could change my mind--if, for example, I thought Kerry would actually sell out an incipient Iraqi democracy in a fit of "realistic" Scowcroftian stability-seeking (an issue Josh Marshall's recent Atlantic piece doesn't resolve). But I don't intend to agonize like last time.] ... *Note: The first version of this post said we needed a "time out" from Bush's strident global terror war. Several e-mailers point out, correctly, that this is a bad phrase to use, in that it seems to imply a pause in attempts to get at al Qaeda and similar groups. I mean a period of consolidation and lowered swagger and apocalypticism, not a halt in rooting out terror cells, etc. ... 1:51 A.M.
"Rollout" Readout: Thanks to ABC's highly-useful Evening News Wrap, here are some results on the Kerry campaign's attempt to "own" the week by torturously drawing out the naming and getting-together and hand-raising of the full Democratic ticket--what The Note called "a slow-motion, multi-day dog and pony show": Just one network (CBS) led its evening newscast with the Kerry-Edwards hand-clasp money-shot story. It was only the #4 story on NBC (layered in some Carl Quintanilla meta-reporting about "media manipulation") and the #3 story on ABC. ... Maybe the evening newscasts aren't that important anymore, but I'd say this isn't exactly wall-to-wall hype. The slow-mo dog-and-pony show is headed for a smaller theater, fast (albeit with a late stop at 60 Minutes). ... Wouldn't it have been better to just have had Edwards jump onstage from behind a curtain on Tuesday, get the big publicity pop, and then hit the trail? ... I expect this pattern--with the "ace" Kerry PR operation overestimating how riveted the nation will be by their man--to be repeated throughout the Democratic convention. ... P.S.: Not that the press isn't excited by Edwards. In all the talk about how the Edwards pick pleased key Democratic constituencies. only a few pundits mentioned the extremely pleased key (and mainly Dem) constituency of the media. But news shows aren't going to play up Kerry-Edwards day after day absent evidence that the public is as excited as the press is. ... 1:07 A.M.
Wednesday, July 7, 2004
Exciting Edwards "Rollout": Robots not impressed (so far).... But 4-point bounce on CBS--which will probably become a tidal wave in the Nagourney/Elder spinterpretation. ...P.S.: I forgot, it's only a CBS poll, not a CBS/NYT poll, so it doesn't count, according to Nagourney. ... 3:01 P.M
Yesterday's Front-Page Fiasco--It's Not the N.Y. Post:
1) Ten days ago theLos Angeles Times printed a front-page lead story ("Iraq Insurgency Showing Signs of Momentum") asserting, without backup, that "some U.S. commanders say it could be too late to reverse the wave of violence." ...
2) On July 4, an LAT front page piece reported that our civilian administrator for Iraq, Paul Bremer
left without even giving a final speech to the country — almost as if he were afraid to look in the eye the people he had ruled for more than a year
when in fact Bremer did give a farewell speech, which was well-received by at least some Iraqis. ...
3) Yesterday, the Times ran another dramatically downbeat Iraq story as its front-page lead. This one--"U.S. Response to Insurgency Called a Failure"--said "some top Bush administration officials" were criticizing the Pentagon for "failing to develop a coherent, winning strategy against the insurgency." Again, there are no quotes--even blind quotes, even blind paraphrased opinions--from "top Bush administration officials" backing up the story's dramatic initial assertion. The only administration official whose sentiments might conceivably be interpreted to fit the bill is a "senior official of the now-dissolved Coalition Provisional Authority" who says:
It's disappointing that we haven't been able to have better insight into the command and control of the insurgents ...And you've got to have that if you're going to have effective military operations.
That's it! Is this person (who hardly sounds like a top Bush official) saying the Pentagon's response to the insurgency was "a failure"--or is he or she saying we should have much better intelligence, something the Bush administration clearly hopes the new Iraqi government will now be able to obtain? ...
Maybe the U.S. response to the Iraq insurgency is a failure, and maybe "top Bush officials" are tearing their hair out over it, but yesterday's Times story does nothing to convince its readers that this is the case.
There's a pattern here! It seems like an institutional pattern (each of these three embarrrassing front-page LAT stories was written by a different reporter). Someone might call it pseudojournalism. ... [Link for example #2 via Instapundit] 3:27 A.M.
The downside: Doctrinaire Shrumian populism is back. Those powerful interests are standing in your way again in the first Kerry-Edwards ads. ... Click here and here for why I think this is a deeply flawed approach. Two caveats: a) Paul Glastris argues that some powerful interests do stand in the way of developing two new job-producing sectors of the economy--broadband and biotech; b) If HMOs really are now effectively insulated against lawsuits over their failure to pay for needed services, that gives Edwards a profusely-bleeding, slow-moving "powerful interest" target. ...2:14 A.M.
Kerry managed to choose John Edwards Tuesday without getting the traditional money shot of the both of them holding their hands aloft. NBC's Tim Russert told Brian Williams this was "very deliberate"--a carefully planned "rollout" designed to dominate the news for most of the week. They'll hold hands tomorrow! ... Aren't Kerry's strategists severely overestimating the excitement surrounding this ticket? They're also failing to take into account the public's increased ability to swiftly process a less-than-shocking story which will be yesterday's news--an hour and a half ago, actually. Today, the Kerry-Edwards money shot would surely have led all the networks. Tomorrow it might well air after the commercial break in a quotidian campaign story covering both sides. ... When do they kiss? This isn't Friends, where the suspense can be dragged out as the nation wonders when Joey and Rachel will hook up! ... Update: There's another possibility of course, which is that the Stealth Strategy is alive, alive! 1:48 A.M.
Tuesday, July 6, 2004
It's not nice to scam Deborah Orin! Inspector Ellis is on the case of how the N.Y. Post may have been misled into printing its now-famous cover of Kerry and Gephardt. ... P.S.: For a moment I thought it was the Weekly World News: "Kerry Picks Space Alien As Running Mate!" [Apologies to Rick Hertzberg ]... Update: Alert reader G. suggests that the story's lack of a byline means that neither Orin--nor anybody else at the paper--was comfortable putting their name on it. Maybe it wasn't a deliberate Kerry feint after all, but just somebody running into a source (e.g., a Kerry fundraiser) who swears up and down that Gephardt's the man. ... 3:36 P.M.
Winning Kerry Message Revealed: Kerry has no message, it's commonly conceded (even, on occasion, by Kerry aides who nevertheless exude that "eerie confidence"). But what would be a winning message--one that spoke to the subconscious mood of the moment? I think Peggy Noonan has done the Democrats a big favor by coming up with it. The message is that America wants a respite from all the headstrong history-making of the past four years. Bush isn't responsible for 9/11, but he's still responsible for a lot of the sense that history's being forced. Even before 9/11, as a second-place vote-getter aided by a questionable court decision, he somehow leveraged his weak victory into an unexpectedly uncompromised Republican tax cut. Post 9/11, he leveraged the country into the Iraq War--a war in which we'll prevail, if we do, by the skin of our teeth. Next he'll try to abolish the estate tax, with potentially dramatic consequences for the social structure. It's all too morally complicated, strained, force-fed, disruptive, overheated.
We need a break--to steady ourselves at home and rebuild our standing abroad, to calm down the Islamic world's seething resentment, to prevent the "global war on terror" from becoming an all-consuming lifelong West/East conflagration. To digest the history we've just made.
As Noonan notes, you don't need to hate Bush or blame Bush to share in this desire for a respite. You can even applaud what he's done--and then take the ball from him (thanks, Pedro!) and bring in a reliever.
The American people may come to feel that George W. Bush did the job history sent him to do. He handled 9/11, turned the economy around, went into Afghanistan, captured and removed Saddam Hussein. And now let's hire someone who'll just by his presence function as an emollient. A big greasy one but an emollient nonetheless.
The idea that Kerry will be a do-nothing waffler, she notes, plays right into this approach. It's not a bug, it's a feature!
Noonan asks her readers to tell her how Bush could counter this Kerry appeal. As a Dem to whom the appeal appeals, I'd like to figure out the words that would capture the subliminal sense that we need a break. Maybe, um, "We Need a Break"--or "We Need a Break From Bush" ... Or the plural "A Break from the Bushes" to capture the anti-dynasty vote. ... Or "Time Out" ...
P.S.: It can't be "Let's Calm Down"--"Calm down" being, it's often noted, the two most aggravating words in the language. It can't really be "Return to Normalcy"--even if that's what the Democrats would like to promise--and not just because of the Harding baggage. Voters know a real return to pre-9/11 normalcy is impossible. They just want some time off from all the radical post-9/11 paradigm-shifting. ...
P.P.S.: I know that "Let America Be America Again" is an attempt by Kerry to tap into this same theme. But it's too pretentious and confrontational--as if Bush wasn't American. It doesn't capture the less hostile sense of "Nice job, thanks, that's enough world-shaking initiatives for a while, why don't you go sit on the bench while we bring in these other guys." ...
Better nominations along these lines now being accepted. ...
Update: A well-informed e-mailer comes up with the more traditional name for the "Pedro Martinez" approach:
"Bush sucks" is a 46% strategy. "Gold-watch" Bush is a winning strategy. ...The majority of voters like Bush. If they're going to get rid of him, they don't want it to be a rejection so much as a mid-course correction. [Emph. added]
He (or she!) adds: "The interesting thing is whether the K campaign can imagine such a strategy, since they all believe--truly believe--that Bush sucks." 2:37 A.M.
John E., You May Already Have Won ...: It's Edwards, suggests NRO's Jim Geraghty, following a tip from this aviation chat board. ... P.S.: The Chamber of Commerce will not be happy. ... Update: But the N.Y. Post certainly seems confident it's Gephardt. ... Maybe Gephardt gets the post and Edwards gets the plane! ... 12:26 A.M.
Monday, July 5, 2004
Wackily prolific e-mailer AKB is back, and he makes what seems like a good point--which is that if Kerry picks Gephardt as his running mate, it could be seen by bitter Deaniacs as "paying back to the man who gave him the nomination" by taking down Dean in Iowa. In my experience, Dean supporters are very well-informed and have long memories. And there is always the threat that they will defect to Nader in non-trivial numbers. ... 3:58 P.M.
Milkflop! ... P.S.: According to the Globe's Glen Johnson, even Kerry's boyhood dairy farm was "straddling the Ipswich/Hamilton border"! ... P.P.S.: The presumed Democratic nominee's attempts to emote about the agricultural life sound almost pathetically stilted and phony:
He told the crowd that as he drove across the region's verdant fields amid his three-day Midwestern bus tour, he turned to the local Democratic congressman, former Harvard quarterback Ron Kind, who was accompanying him, and said, '' 'Look at the power of that land. You can just feel it, you see it.' I know what you love." [Emph. added.]
He's kicking into high gear! Yikes. ... 2:11 A.M.
Sunday, July 4, 2004
Zinni, Winni! Where was the kf longshot veep fave last Thursday night, anyway? 1:16 P.M.
I'm So Sorry, Sister Souljah: Kerry's televised opposition to driver's licenses for illegal immigrants--declared "the Sister Souljah moment of the 2004 presidential campaign" by Michelle Malkin--was only hours old before Kerry aide David Wade started backtracking:
Kerry spokesman David Wade said Wednesday that Kerry thinks it is a state responsibility to decide who gets a driver's license. Wade said Kerry would not support any federal efforts to stop states from giving them to illegal immigrants.
That's not a complete, groveling panderflop of course--it leaves Kerry still expressing his consequence-free opinion against granting licenses. But the night is young. ...P.S.: Several e-mailers note that if Kerry is sufficiently generous in granting legal status to previously illegal resident immigrants, the license-for-illegals issue becomes moot. But a) it appears to have become a matter of principle for some Hispanic activists, and b) Kerry's speech before the Council of La Raza seemed extremely vague on exactly how broad and permissive his proposed "path to equal citizenship" will be. ... 1:23 A.M.
More evidence contradicting the easy, goo-goo win-win argument about the Abu Ghraib abuses--that they were both wrong and inexplicably stupid, because harsh interrogation doesn't yield reliable information--can be found buried in Saturday's NYT piece:
In some instances, the team used harsh interrogation tactics like feeding prisoners only one meal a day, allowing them only four hours of sleep a day, placing them in isolation cells for 30 days and using military dogs during interrogations, several soldiers said in interviews.
"Just having the dog in the room worked pretty effectively," said one intelligence analyst.
The new prisoners produced good leads, which resulted in more raids and arrests of other high-level prisoners, including former Iraqi generals, senior Baath Party officials and tribal leaders who were aligned with Mr. Hussein, a military officer said.
This might be spin by the "military officer," of course. But it might not be. ... P.S.: Please hold the e-mails. I'm not saying torture or intimidation or humiliation is justified, in principle or in this case. I'm not saying the practices at Abu Ghraib weren't stupid and damaging. I'm not saying that the techniques applied to high-value detainees should be routinely applied, assembly-line style, to run-of-the-mill detainees. I'm saying you can't understand why it happened while pretending that it never worked, any more than you can understand why people get addicted to drugs while pretending that drugs are never fun. ... [Hold the e-mails? It's Saturday night on a holiday weekend. There will be no e-mails--ed You've never met alert reader J.] ... 12:55 A.M.
Drudge Report--80 % true. Close enough! Instapundit--All-powerful hit king. Joshua Marshall--He reports! And decides! Wonkette--Makes Jack Shafer feel guilty. Salon--Survives! kf gloating on hold. Andrew Sullivan--He asks, he tells. He sells! David Corn--Trustworthy reporting from the left. Washington Monthly--Includes Charlie Peters' proto-blog. Lucianne.com--Stirs the drink. Virginia Postrel--Friend of the future! Peggy Noonan--Gold in every column. Matt Miller--Savvy rad-centrism. WaPo--Waking from post-Bradlee snooze. Calmer Times--Registration required. NY Observer--Read it before the good writers are all hired away. New Republic--Left on welfare, right on warfare! Jim Pinkerton--Quality ideas come from quantity ideas. Tom Tomorrow--Everyone's favorite leftish cartoonists' blog. Ann "Too Far" Coulter--Sometimes it's just far enough. Bull Moose--National Greatness Central. John Ellis--Forget that Florida business! The cuz knows politics, and he has, ah, sources. "The Note"--How the pros start their day. Romenesko--O.K. they actually start it here. Center on Budget and Policy Priorities--Money Liberal Central.. Steve Chapman--Ornery-but-lovable libertarian. Rich Galen--Sophisticated GOP insider. Man Without Qualities--Seems to know a lot about white collar crime. Hmmm. Overlawyered.com--Daily horror stories. Eugene Volokh--Smart, packin' prof, and not Instapundit! Eve Tushnet--Queer, Catholic, conservative and not Andrew Sullivan! WSJ's Best of the Web--James Taranto's excellent obsessions. Walter Shapiro--Politics and (don't laugh) neoliberal humor! Eric Alterman--Born to blog. Joe Conason--Bush-bashing, free most days. Lloyd Grove--Don't let him write about you. Arianna--A hybrid vehicle. TomPaine.com--Web-lib populists. Take on the News--TomPaine's blog. B-Log--Blog of spirituality! Hit & Run--Reason gone wild! Daniel Weintraub--Beeblogger and Davis Recall Central. Eduwonk--You'll never have to read another mind-numbing education story again. Nonzero--Bob Wright explains it all. [More tk


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The policy of the Embroiderers' Guild is to ensure the highest standards of care for the young people who join our Groups or attend our festivals, summer schools and other regional events and workshops.
A central part of this policy is that all Group Leaders and most Helpers have DBS Check certificates.
If you require any further information, please contact us.


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FOLKSTON, Ga. | A former Charlton County High School teacher will serve 10 years in prison followed by 15 years' probation after she pleaded guilty Monday to having sex with six students.
As her family sat glumly in the front row of the Charlton County courtroom, some of them crying softly, DaNita Wilson, 33, pleaded guilty to six counts of sexual assault before Superior Court Judge Jeffrey H. Kight.
Kight accepted the plea agreement offered by Senior Assistant District Attorney Alex Markowich and sentenced Wilson to 25 years on each of the six counts, with 15 to be served on probation, and ordered them to be served concurrently.
As a condition of her sentence, Kight ordered her to have no contact with minors except her two young children and, ultimately, her grandchildren should she have any. She must also register as a sex offender upon her release.
Although the age of consent is 16 in Georgia, it is a felony under state law for a teacher to have sex with a student.
Wilson had originally been accused of having sex with seven students, but was indicted on six counts.
She could have received a far longer sentence had she gone to trial and been convicted because one of the students was 15. Sexual assault on a person under 16 carries a sentence of 25 to 50 years.
In exchange for the guilty plea, prosecutors agreed to dismiss the portion of the charge that one of the students was under 16.
"Twenty-five years, and you're going to serve every day of that," Markowich said of the way Georgia law treats the crime.
Markowich told Kight the mother of the youngest victim agreed to the lesser charge because she believed 10 years in prison was a sufficient punishment.
The mother also was glad justice would be done, but it was a "sense of justice tempered by mercy," he told Kight.
Wilson's lawyer, John Thigpen, told the Times-Union Wilson would have had a lot to overcome at trial because she had made statements shortly after her arrest that amounted to a confession.
"You had her confession and the word of the students," Thigpen said. "But at least we avoided that 25 years."
Wilson was arrested in January 2013, released on $35,000 bail and was immediately removed from her job teaching ninth-grade math.
Charlton County schools Superintendent John Lairsey said at the time his office had been investigating allegations against Wilson and contacted the Sheriff's Office and Georgia Bureau of Investigation.
Wilson answered Kight's questions softly, looking mostly straight ahead. One of her longest statements was when Kight, in ensuring she understood the proceedings, asked her about her level of education.
Because she was a teacher, Kight said, he assumed she had a degree.
"I have a master's degree," Wilson said.
Upon sentencing, Kight remanded her to the custody of the Sheriff's Office.


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Explore Hamburg
Maritime history, multicultural vibe, trade center since the Middle Ages. Germany's largest port makes for a beautiful city break location. Make your way through the winding streets down towards the docks of the river Elbe where you can enjoy a cold beer and a Currywurst at one of the many bars and restaurants.


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jacquieharvey on Family Tree Circles
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Looking for Magrath/mcgrath of Dublin/cavan/
looking for magrath/mcgrath family members from Dublin/Cavan in the 1700's and 1800's. Seem to have been merchants/soldiers/ any info would be great. cheers, Jacquie Harvey
Looking for Magrath family in Dublin around 1770s to 1850s
I am trying to trace the antecedents of Robert Lovell Magrath who was born in or around 1801 in Ireland. In 1835 he married Anna Balfour Macloghlin In 1850 they migrated to Adelaide, Australia. Any help would be gratefully received. Cheers,
Jacquie Harvey
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Reviewed by Raymond C. (age 7)
I think this is a very sad book. I like the grandma because she is nice to her grandchild. She reminds me so much of my grandma. The illustrations are nice and colorful and they go with the story. My favorite parts of the book is where it shows the love between each other.
I recommend this book because it is about two people who love each other.


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European Central Bank cuts growth outlook for eurozone
FRANKFURT, Germany The European Central Bank warned of another gloomy year for the 17 European Union countries in the eurozone, cutting its forecast for economic growth in 2013 from plus 0.5 percent to minus 0.3 percent.
Even so, the bank left rates unchanged at its meeting Thursday, and ECB head Mario Draghi gave little sign he was leaning toward any more cuts to stimulate growth.
- Greece narrowly avoids bankruptcy
- Eurozone unemployment hits new high
- Moody's downgrades eurozone bailout fund
The bank's 22-member governing council kept its benchmark refinancing rate unchanged at 0.75 percent. The rate determines what private-sector banks are charged for borrowing from the ECB, and, through that, the rates banks set for businesses and consumers.
Draghi saw "downside risk to the economic outlook" and said that "weak activity is expected to extend into next year," with a gradual recovery later in 2013. The bank's minus 0.3 percent outlook is the midpoint of the forecast rate of between minus 0.9 percent and plus 0.3 percent.
The ECB's revised forecasts come as the eurozone's economy is caught in a recession - having shrunk 0.1 percent in the third quarter after a 0.2 percent fall in the previous three months. It is expected to contract again in the last three months of the year. A recession is often defined as two quarters of negative growth in a row.
Growth is being held back across the eurozone as governments slash spending and raise taxes. Countries are trying to reduce debt piled up from overspending, in the case of Greece, or from real estate bubbles and banking crises in Spain and Ireland. Greece, Portugal, Ireland and tiny Cyprus have already needed bailouts, while Italy and Spain, the eurozone's third- and fourth-largest economies, teetered on the edge of needing help this summer.
Analysts saw the slashed forecasts as confirmation of more tough times to come for the eurozone.
"This is something that we have been flagging for some time, namely that the eurozone may be headed for a `lost decade,'" said Marie Diron, a senior economic adviser at Ernst & Young.
European share indexes held onto gains after the speech, with the London FTSE up 0.3 percent, Germany's DAX up 1.11 percent and the French CAC 40 up 0.4 percent. The euro dipped 0.8 percent to $1.2967 as some investors thought the dismal outlook raised the chance of a rate cut. Lower rates can make a currency less attractive by lowering returns on interest-bearing investments.
In theory, a rate cut by the ECB could stimulate the eurozone's economy by making it easier to borrow, spend and invest. But rates are already low, and borrowing remains weak. There are very few signs that previous rate cuts and stimulus measures - such as the $1.3 trillion in cheap, long-term loans to banks last December and February - are trickling through to the wider economy.
Draghi said current rates were "very accomodative" - meaning they are low enough to encourage growth.
He also said that that the ECB had already done much to lower rates with its plan announced in September to buy unlimited amounts of bonds issued by of Europe's heavily indebted countries. The purchases would help drive down bond interest rates, which in turn would lower borrowing costs for indebted countries such as Spain and Italy and make it easier for them to manage their debt loads.
The plan has helped stabilize the eurozone debt crisis. Although no bonds have been bought, the mere possibility of the plan being implemented has influenced the bond market. The interest yield on Spanish 10-year bonds is down to around 5.4 percent now, from 7.6 percent in July.
"That is much more than you can achieve by a cut in the policy rate," Draghi said. "We have already done much that is needed."
The ECB chief said that there had been a "wide discussion" on interest rates but that "in the end the prevailing consensus was to leave rates unchanged." Use of the term "consensus" suggests the council was not unanimous and that some members were willing to consider a rate cut.
Analyst Carsten Brzeski at ING said the ECB was putting more faith in tools other than changes in the refinancing rate. He pointed to the bank's announcement Thursday that it was continuing its policy of allowing banks to borrow as much as they wanted at its weekly loan offering - instead of capping the loans.
"The fact that the ECB kept rates on hold even after these strong downward revisions for growth and inflation in our view shows that the ECB prefers to stimulate the economy with non-standard measures and not with additional rate cuts," Brzeski wrote in a note to investors.
But while governments and banks are breathing easier, that hasn't restarted growth.
The ECB's measures are only slowing making themselves felt in the eurozone's wider economy. Some business confidence indicators are beginning to rise and the supply of money in the economy is increasing. But consumer spending sagged 1.2 percent in October, indicating fear and reluctance remain strong.


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How To Turn Algebra Into Arithmetic
I have never met anyone who is better at algebra than he or she is at arithmetic. As good as a person may be with algebra, that person's going to be even better with real numbers (arithmetic). How can we use that to our advantage on the test?
Algebra and arithmetic are very similar, but algebra uses variables where arithmetic would use real numbers. On certain GMAT problems, we can taken a problem in which we were given variables and use real numbers instead " we're turning algebra into arithmetic!
Note: a lot of my students will complain that this method takes too much time. Of course it does when you first start studying it. You've been doing algebra for years, but most of you are just learning how to turn algebra into arithmetic. Think how slow you were when you first started learning algebra. Put in the practice and you'll pick up the speed!
Recognize when you can turn algebra into arithmetic
First, we need to know when we can use this technique. It's possible to use this technique when there are variable expressions in the answers. Variable expressions do use variables but do not contain an equals sign or an inequality sign. For example, x+3 is a variable expression; x+y = 3 is not a variable expression but a variable equation.
You can sometimes pick your own numbers even when a variable isn't given in the problem " for example, when the answers are in the form of fractions or percentages of something. In these problems, you'd have to introduce a variable (or variables) yourself in order to solve or you could just pick a real number. For instance, I could talk about the changing price of a TV set: first it goes up by 5% and then it goes down by 10%. And I might ask: what fraction of the original price is the new price? You can tell me that without knowing any real numbers! (In fact, you can tell me just based on the info I've given you in this paragraph.)
If they give you variable expressions in the answers, or if the problem keeps talking about some number but never gives you a real number for it, and the answers are in the form of a fraction or percentage of the original, then you may want to turn this problem into arithmetic.
Deciding whether to turn algebra into arithmetic
After we determine that we can use this method, we next have to decide whether we want to do so on this particular problem. There isn't a one-size-fits-all answer to this question; different students will prefer different things. The very general rule is that you use algebra on problems that are easier (for you) and you use arithmetic on problems that are harder (for you). The particular line, though, is different for every student. So how do you decide?
You figure it out while you're studying. From now on, every time you see a problem that can be done using this method, try it both ways " the algebra and the arithmetic. Then decide which way was easier for you on this problem and, as specifically as possible, why. And how are you going to remember that for future? (Hint: drill, baby, drill!) Then, when you see a similar future problem, you'll already have made the decision as to which method to use.
Turning algebra into arithmetic
Okay, so let's do it, already! First, we see how many variables we have and whether we need to pick for all of them or whether some will be determined by others. For example, if a problem talks about a cell phone plan costing x cents per minute and Jamie talked for y minutes last month, then I'm going to pick for both of the variables in the problem. If, on the other hand, the problem tells me that x+y = a, then I know I'm only going to pick for x and y; after that, a will be determined.
Picking Numbers
Next, I'm going to be smart about picking my numbers. Full disclosure: the main drawback to this turn algebra into arithmetic method is that, if I'm very unlucky, I could happen to pick some number that will work for more than one answer choice. This can't happen on every problem, but it can happen sometimes. I can reduce the chances to almost zero, though, if I'm smart about picking my numbers.
Don't pick zero. Don't pick one. Don't pick a number that already shows up in the problem. Don't pick a number that would result in a calculation that gives you that same number again. For example, a percentage problem asks you to reduce the price of a TV set by a certain percentage and then do something with the new price relative to the amount saved off of the original price. You probably don't want to discount that TV set by 50%, because then both the amount saved and the new price are the same number!
Other than that, though, make your life as easy as you can. Pick small integers. If you need to pick more than one, choose numbers with slightly different characteristics " an even and an odd, for instance. If a number needs to be divided at some point, pick something that will still give you an integer after you divide.
When you're studying, go back over what numbers really worked well or really didn't. How could you have known, before you started solving, that picking 2 on this one was probably not a great idea? Or, conversely, that picking 2 on this other one was a great idea?
Doing the Arithmetic
Okay, now you've got your real number or numbers. (You've written them down clearly on your scrap paper, along with your variables, right?) Now, do the arithmetic. Wherever the problem says x, you now use 2, and wherever the problem say y, you now use 3. When you're done, you've got a numerical answer.
But this is all too abstract. Take a look at this GMATPrep problem:
*Before being simplified, the instructions for computing income tax in country R were to add 2 percent of one's annual income to the average (arithmetic mean) of 100 units of country R's currency and 1 percent of one's annual income. Which of the following represents the simplified formula for computing the income tax, in country R's currency, for a person in that country whose annual income is I?
I have one variable, I, and this is a percent problem. 100 is usually a nice number in a percent problem, but this problem uses the number 100 in this formula I'm supposed to find so I'm going to use something different on this one. I also have to calculate 1% and 2%, so I don't want to go smaller than 100 or I'm going to have fractions; let's go bigger instead. And, hey, I'm eventually going to have to divide this I variable by 200, 100, 40, and 50 (look at the answers!), so let's use 200. Now, 200 = one's annual income.
add 2% of one's annual income okay, so that's 200*2% = 4.
Next, take the average (arithmetic mean) of 100 units of country R's currency and 1 percent of one's annual income okay, so 1% of one's annual income is 200*1% = 2, and I'm going to average 2 and 100. That's (100+2)/2 = 51.
Now I add those two together: 4 + 51 = 55. That's my target answer. I have to find which answer choice equals 55, and I do that by substituting 200 in wherever the answer says I.
Note: I do not care what the five individual answers are: only whether they are (or might be) my target answer. If I can tell before finishing an answer that it is not going to equal 55, then I cross off that answer and move on.
(A) 50 + I/200: 50 + 200/200 = 50 + 1 = 51. Nope.
(B) 50 + 3I/100: 50 + 3(200)/100 = 50+6 = 56. So close! But this isn't right either.
(C) 50 + I/40: 50 + 200/40 = 50 + 5. Bingo!
(D) 100 + I/50: Let's check just in case 100 + something? No. Too big.
(E) 100 + 3I/100: Ditto. 100 + something is too big.
The correct answer is C.
Notice that I did test D and E, even after finding that C worked. Here, we have to make a choice. Do we want to be thorough and make sure we didn't hit the rare case where more than one answer works? Or are we satisfied with C and want to move on? Generally, if I feel as though I haven't used up my time yet, I'll be thorough; this is the same as quickly checking my work on another problem when I feel I have the time to do so. If, however, I feel as though I'm already over my time limit and I'm not 100% confident anyway, then I'll just stop as soon as I find one that works " that's good enough and I'm almost certain to be right.
Again: if you follow my rules about picking numbers, then it's extremely unlikely that you will be so unlucky as to choose a number that works with more than one answer! If you do somehow find yourself in that situation, you can do one of two things: guess one of those two answers, or try a different number (and switch it up " pick an even if you picked an odd last time). Do the math again (it'll be fast, because you've already done it once!) and then test just those two answers.
1) You can turn algebra problems into arithmetic problems. The process is straightforward, though it does take practice to become efficient.
2) Know how to choose between algebra and arithmetic " and know that this is based on your individual level. When studying, try problems both ways to determine which way is best for you in different situations.
p.s. The answer to that TV set question is 94.5%. Pick the number 100 as your starting point for the price of the TV set. 5% of 100 is 5, so first the price rises to 100+5 = 105. Next, the price falls by 10%. 10% of 105 is 10.5, so the new price of the TV set is 105 " 10.5 = 94.5. My questions was what fraction of the original price is the new price? My new price is 94.5 and my original price was 100. 94.5 / 100 = 94.5%.
* GMATPrep questions courtesy of the Graduate Management Admissions Council. Usage of this question does not imply endorsement by GMAC.
[…] Strategy #2, I'm going to send you to an article I wrote a long time ago: How to Turn Algebra into Arithmetic. (We officially call this strategy Choose Smart […]
An impressive share! I have just forwarded this onto a coworker who has been conducting a little research on this. And he in fact ordered me breakfast due to the fact that I found it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanx for spending some time to discuss this issue here on your site. nonprescription colored contacts http://wiwt.com/user/desk75maria/


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A blog that aims to increase awareness about the condition, particularly its causes and sequelae, encourage scientifically sound discussions about it, and promote its prevention.
- Home
- FAQs on Asherman's syndrome
- How Asherman's syndrome causes infertility or misc...
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- Management of Intrauterine Adhesions.
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- Publications: Diagnosis, Classification and Treatm...
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- Introduction: why blog about Ashermans syndrome?
- About me
Thursday, November 18, 2010
Articles on Asherman's syndrome Etiology, Incidence, Prevention
A selection of publications about Asherman's syndrome including reviews and journal articles on its etiology, incidence and prevention is being added to the site. It can be found here or alternatively, click on the relevant tab in tab menu at the top of the page. There will be another page with articles on Diagnosis, Classification, Treatment, Reproductive Outcomes and Obstetric Complications soon.
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Labels: Asherman's syndrome prevention, Etiology, hysteroscopy, incidence, intrauterine adhesions, intrauterine synechiae, misoprostol, prevention, publications on Asherman's syndrome
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Credit: Site logo artwork (C)2006 Bradley K McDevitt (used under license)
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PHP-Nuke Copyright © 2005 by Francisco Burzi. This is free software, and you may redistribute it under the GPL. PHP-Nuke comes with absolutely no warranty, for details, see the license.


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Every year students all across the country make the big move to college. This move is often the first chance to live away from home. Setting up a dorm is no small task, especially for the first semester. It is important to make your dorm room a comfortable place to study, sleep and hang out. Why not make your room into a more earth-friendly place by making conscious decisions? All it takes is a little creativity, effort, and a few tips and tricks.
1. Moving
Use reusable packing materials. Transport clothes and other items in laundry baskets, bags and suitcases. Be sure to recycle any boxes you used for moving.
2. Electronics and Appliances
Dorm rooms are usually stuffed with all types of electronics and appliances: Computers, printers, TVs, DVD players, sound systems, alarm clocks, mini fridges, microwaves and more. Talk to your roommate about who brings what so you aren't doubling up. When buying electronics or appliances look for higher ENERGY-STAR-Certified ratings. ENERGY-STAR is a joint program of the U.S. Environmental Protection Agency and the U.S. Department of Energy that rates electronics and the amount of energy that they use to help consumers purchase items that do not use excess amounts of electricity. Be sure to turn off all electronics when not in use. Also, plugging electronics into power strips is a great solution to easily turn off multiple electronics at once. Choose electronics that serve multiple purposes, such as an alarm clock that's also a speaker and charger for an iPod or iPhone. A laptop with a large screen that can act as not only a computer but a TV and DVD player, too.
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Most dorm rooms come furnished, but can often be lacking key pieces such as chairs or bookshelves. If possible, look for second-hand or recycled products made from sustainable processes and materials. The typical particleboard furniture found in dorms can contain formaldehyde and other chemicals that can offgas and pollute indoor air so steer clear of them when you can.
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Replace standard incandescent bulbs with compact fluorescent light bubs or LED lights, which consume less energy and last longer than standard bulbs, as well as giving off better light to allow for the better studying.
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Improve air quality in the dormand add some appeal by having a green plant or two. The plants help to absorb unwanted airborne gases and brighten up your surroundings. A trip to your local nursery can help you pick out a plant that will thrive indoors in low-light conditions.
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Many students want to make their dorm rooms comfortable and homey. Rather than buying all new decorations, choose items from your bedroom at home and revamp them to better fit the dorm. Use material from a favorite shirt or old curtains to cover corkboards, creating an area to hang pictures, notes and other items and add color. Coordinate with roommates to get complimentary organic duvet covers and cover you thrifted loveseat with matching sheets.
Find more tips and useful ideas by going to Teens Turning Green's 'Project Green Dorm' website HERE. Enter their challenge for a chance to win OMI products as well as many other fabulous and green prizes!


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Enchantment Right Hand Ring
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|Rick Lundquist
Florida dairy producers are a hardy bunch. A brutal summer climate that would overwhelm many dairy producers is just a part of life on a Florida dairy.
This week the country is watching Gustav and Hannah, but two weeks ago, tropical storm Fay made an unprecedented four landfalls in the Sunshine State. As it came ashore in Southwest Florida and slowly wound toward Okeechobee, it fooled the meteorologists. By the time it reached the dairies in Okeechobee it had winds of 69 mph. The slow moving storm dumped over 16 inches of rain on the farms – horizontally.
Woody Larson, owner of Family Tree Dairies told me it was an odd storm, because they were forecasting it to weaken over land, but it actually picked up steam. They still had power at their house, so they watched on TV as the eye passed right over them. At 69 mph, the cabbage palms were bent at right angles. Then a perfect eye passed over and the Spanish moss hung absolutely still from the live oaks under beautiful blue skies until the back half of the storm arrived, bending all the trees in the opposite direction.
Fay wasn't a big storm by Florida standards. My Florida clients know how to prepare. But no power for two days under oppressive heat takes its toll. No fans to cool the cows. Roads between the barns washed out. Freestalls soaked due to the horizontal rain blowing through the barns.
Larson's lost over 40 calves because they were soaked with rain for two days. Feed in the commodity barns got drenched. Feed troughs filled with water. Then after the storm left, the standing water with over 95 degree heat made for unbearable humidity and heat stress. It also bred swarms of mosquitoes.
Still, the cows held up and bounced back remarkably well. August is over, so only two more months of Florida summer. Fay brought back memories of hurricanes Francis and Jeanne just four years ago. Those were big storms. Sustained winds of 100 mph blew for over 24 hours as the eyes of these storms moved slowly over the dairies.
For a look back at Jacob Larson's account of dealing with those hurricanes click here.
--Rick Lunquist is an independent nutrition and management consultant based in Duluth, Minn. You can contact him at firstname.lastname@example.com.
|This column is part of the Dairy Today eUpdate newsletter, which is delivered to subscribers biweekly and includes dairy industry analysis, dairy nutrition information as well as the latest dairy headline news. Click here to subscribe.


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Reliably efficient power performance
- On-line double conversion topology secures the UPS output is not affected by any abnormalities in the utility power and keeps critical load equipment protected against all common power problems.
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We are currently experiencing technical difficulties. We apologize for the inconvenience, and are working to quickly resolve it. Please contact your local Anixter representative for immediate assistance.


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DailyDirt: Cheaters Sometimes Prosper...
from the urls-we-dig-up deptIf you're going to commit a crime, there's a certain amount of logic to trying to pull off the biggest crime you can. Why risk going to jail over a relatively small amount of money? If you can get away with a multi-milion dollar heist, you only have to do it once (if you're not too greedy). And if you get caught, you might have the resources to escape the authorities. Here are just a few examples of some scams that might have demonstrated that crime can pay.
- In 2012, Italian police arrested 8 people related to a scheme involving $6 trillion (yes, trillion) in fake US Treasury bonds. According to US authorities, these kinds of documents are part of a growing trend of "fictitious instrument fraud" where fake securities are used as collateral in a scam aimed at unwitting investors. [url]
- How often do traders misplace a decimal point on purpose? David Miller would have made a killing buying 1.625 million shares of AAPL (instead of 1,625 shares!) if the stock beat its estimates, but Apple's shares actually fell... oops. [url]
- The London interbank offered rate (aka Libor) is a global benchmark for financial instruments worth over $300 trillion -- and it's part of one of the largest and longest-running banking scams in history. Traders at several large banks colluded to manipulate Libor for years... because bankers were trusted to report honest numbers. hmm. [url]
Filed Under: banking, cheaters, crime, fraud, libor, scams
Companies: apple


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text: This is, by far, my favorite DIY project by the P.S. I Made This. They always knock it out of the park but this mint green ombre wall is next-level-awesome. Mint is my very favorite color and an ombre effect is always welcome. Would you do this in your home?


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Wellbeing – young people worldwide
OECD Better Life Index
The OECD (Organisation for Economic Cooperation and Development) runs the Better Life Initiative, which produces statistics on material living conditions and quality of life (health, education and the environment). The figures, broken down by country, age and sex, show the relative progress of societies around the world. Use the interactive map to see which regions score best on the various dimensions of wellbeing.
The average level of overall life satisfaction across the OECD is 6.6, and Denmark, Iceland and Switzerland have the highest scores.
65% of people of working age (15 - 64) have paid work. Rates are highest in Iceland (82%), Switzerland (80%) and Norway (75%), and lowest in Greece (49%), Turkey (50%) and Spain (56%).
There is also a gender gap in employment. Overall, 58% of women have a job, compared with 73% of men. The gap is widest in Turkey and Mexico and narrowest in Canada, Estonia and the European Nordic countries.
As for civic engagement, voter turnout averaged 68% in OECD countries. On average, women hold only about 28% of seats in national parliaments.
Global Youth Wellbeing Index
The Global Youth Wellbeing Index gathers and links youth-related data to assess and compare young people's wellbeing around the world. Scores are given for 6 aspects of life:
- citizen participation
- economic opportunity
- education
- health
- information & communications technology (ICT)
- safety & security.
Scores take account of indicators based on people's perceptions, as the level of dissatisfaction among young people does not always reflect their degree of prosperity.
Most young people experience relatively low levels of wellbeing. Only 15% rate it as high or even moderate. In general, young people score highest for health and lowest for economic opportunities, even in countries where overall wellbeing is high.
Over two thirds of countries perform above average on health. While high-income countries tend to have comparatively lower fertility and mortality rates, levels of youth depression and stress are often higher.
Published: Fri, 27/11/2015 - 18:42
Info for young people in the western balkans


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Created by Raven Software, Marvel : Ultimate Alliance lets you control the biggest, most powerful Super Hero alliance the world has ever known. Choose from heroes like Spider-Man, Wolverine, Blade and Elektra, to form and customize a four-member strike force. Then partner, battle and interact with more than 140 characters from the entire Marvel universe. Various actions you take may have an impact on how the story will end. It's an alliance of the ages, undertaking an epic multi-mission quest, with an innovative combat system to enrich this legendary experience.


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When her parents go out for the evening, teenager Lea (Lea Giunchi) is supposed to spend the time diligently knitting – not reading. But she immediately mislays her ball of wool (which we see dangling from her skirt). Searching systematically, taking not a moment's rest, she destroys the home in the process. On their return, her parents decide that »Next time, you'd be better off reading«.
Lea Giunchi Guillaume's biographical details are not known, though she was active in film from 1910 to 1919. She worked as a partner to the comedians of Cines , roles such as Kri-Kri with Raymond Frau; Checco with Giuseppe Gambardella; Cocò with Lorenzo Soderine; and Polidor with her brother-in-law Ferdinand Guillaume. Her own series of films consists of approx. 40 titles, of which only a few have survived. Lea frequently embodies a wild and destructive girl but occasionally a young career woman as well.


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From universal health care and the bank bailout to the local fishing industry, the two Democratic candidates seeking their party's nomination for the U.S. Senate drew clear battle lines in their first televised debate Wednesday night.
From universal health care and the bank bailout to the local fishing industry, the two Democratic candidates seeking their party's nomination for the U.S. Senate drew clear battle lines in their first televised debate Wednesday night.
U.S. Rep. Stephen Lynch of South Boston painted himself as the champion of the working class, the poor and minorities as he slammed fellow Congressman Edward Markey of Malden for voting for the bank bailout in 2008, NAFTA and the Affordable Care Act.
"You took $787 billion from taxpayers – their tax money – and gave it to Wall Street. You bail out Wall Street but refuse to help American taxpayers," Lynch said to Markey during the half-hour debate at the WCVB studios in Needham.
The debate was sponsored by the Boston Media Consortium.
Markey said his vote to save banks from failure rescued America from plummeting into another Great Depression.
A special election will be held June 25 to choose a replacement for John Kerry, who left the Senate last month to become secretary of state. The primary elections will be held April 30.
The three Republican hopefuls also debated Wednesday night, starting off the event, but they were much tamer by comparison. Only former U.S. Attorney Michael Sullivan of Abington went on the offensive, challenging Gabriel Gomez, a Cohasset businessman, to explain his experience creating and cutting a budget.
It was the Democrats who sparred more aggressively, and Lynch showed off his knack for sounding more like a regular guy than a politician.
"You side with big guys against the little guy," he said to Markey, who leads Lynch in recent polls. "What's up with that?"
Markey, while defending his record, also criticized Lynch for some of his votes in Congress, linking him to the possible loss of 16,000 jobs in Massachusetts.
"We had a decision to make on sequester in 2011. We knew there could be draconian cuts," Markey said to Lynch. "You voted 'yes' on sequester."
In the Republican debate, the three contenders all staunchly defended Israel and agreed they would not vote to reappoint Ben Bernanke as chairman of the Federal Reserve. Gomez and Sullivan both said they would vote to repeal the Affordable Care Act.
And while all three wanted to save Social Security, not dismantle it, they differed over how to get that done.
"I support means testing. I would argue that Warren Buffett doesn't need full benefits," said Gomez, the former Navy SEAL and private equity investor.
Neither Sullivan nor Daniel Winslow, the state representative from Norfolk, backed the means-testing proposal.
"It's not a welfare program; it's an insurance program," said Winslow, who called for a bipartisan commission to recommend ways to overhaul the system and retool when benefits would be available based on new actuarial data.
Sullivan said the nation's $3.7 trillion debt are what really endanger Social Security and Medicare.
The most tense moment among Republicans came when Sullivan challenged Gomez on his ability to plan and trim a budget.
"Can you describe the largest budget you've had to manage and amount of cuts you've had to make," Sullivan asked Gomez.
Gomez fell back on his investing experience: "We invest in a lot of companies as large as $2 billion to $3 billion in revenue. We're responsible to see that company grows."
After the debate, Sullivan told reporters that he was unconvinced by Gomez's answer.
"It's not clear to me his response," he said.
When it came time to Gomez to put his opponents on the spot, he refused to be contentious.
"I am not here to tear down other candidates," he said.
Reach Chris Burrell at firstname.lastname@example.com.
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