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How the News of the Week Affects Your Wallet
Aired January 27, 2008 - 13:00 ET
FREDRICKA WHITFIELD, CNN ANCHOR: All right now in the news, voting continues at this hour in South Carolina's Democratic presidential primary. A record turnout is expected. About six hours are left until the polls clothes. And one day after avalanches killed two people in California's San Gabriel Mountains, a missing snowboarder has been found safe. A week of rain and snow is blamed for a series of avalanches and mudslides in California. Forecasters say more rain is on the way tonight. We are awaiting autopsy results from Chicago following the discovery of a decomposed body on the city's southwest side. There is no word yet on whether the body is that of Stacy Peterson. She has been missing for quite a while now. And she is the wife of a former police sergeant. An American woman has been kidnapped in Afghanistan. The State Department says the woman and her driver were abducted by a gunman on the outskirts of Kandahar. The woman works for a relief agency based in the Philippines. And he is accused in what may be the biggest case of bank fraud ever committed by a single person. Futures trader, Jerome Kerviel, is being questioned by police in Paris. A French bank says the 31-year- old used fraudulent transactions to steal more than $7 billion. We will update the top stories at the bottom of the hour. Now, time for YOUR MONEY. CHRISTINE ROMANS, CNN CORRESPONDENT: Hello, welcome to YOUR MONEY where we look at how the news of the week affects your wallet. And what a week. I'm Christine Romans. Ali Velshi is traveling coast to coast on the CNN Election Express. He will join us in a moment from Texas. But up ahead, find out if the presidential candidates are any smarter than you are about pulling us out of an economic emergency. Also ahead, housing prices aren't even close to bottoming out, so says Merrill Lynch. We will tell you how far and how long the housing pain could go on. Plus, financial kung fu to protect your 401k when Wall Street is on a roller coaster. And it is. We begin with a stark admission from the Federal Reserve this week that the economy is in trouble. A rare, emergency, rate cut. The first since the terror attacks of September 11th and the largest, most dramatic cut in history. The Federal Reserve explained its actions with a foreboding list of challenges: a weakening of the economic outlook, increasing downside risks to growth, a deepening of the housing contraction, softening in labor markets. Meanwhile, the White House and Congress want to put checks in the mail to millions of Americans. (BEGIN VIDEO CLIP) GEORGE W. BUSH, PRESIDENT OF THE UNITED STATES: The incentive of this package will lead to higher consumer spending and increased business investment this year. (END VIDEO CLIP) ROMANS: Who gets the most money? Individuals earning less than $75,000 a year and couples earning less than 150 grand. And what about that wild stock market? Near bear market territory. Ali Velshi joins us now from Monahans, Texas. Ali, you spent the weekend on the CNN Election Express far, far away from Wall Street and Washington. Weigh in here, what are people saying about the Fed and about that check that we hear will be in the mail? ALI VELSHI, CNN CORRESPONDENT: Well, first of all, Christine, I miss you. You should come on the road with me. This has been a fantastic, fantastic week just to talk to people, not be looking at analyst reports and not be looking necessarily at how the market is reacting to things, but just talking to people. We planned this out before we knew there was going to be this emergency Fed rate cut. We planned it out before we knew that the markets would tumble on Tuesday like we haven't seen in years. People are concerned about the economy. By far, it is the number one concern of people we talked to in Myrtle Beach, in Atlanta, in Birmingham, Alabama, in Memphis, in Little Rock, now in west Texas and on to California, New Mexico and Arkansas - Arizona and California. It is the number one concern. They are not just talking about the market. They are talking about jobs. They are talking about costs of living. They're talking about energy prices. They are talking about the fact that their eggs, their milk, their bread prices have gone up. And I've got to say there is a lot of skepticism about this rebate plan, about the stimulus plan. There are real pros and cons in the minds of the people across the south. But there are real concerns. They are not sure what it is. And they want the candidates to listen to their concerns and address them specifically, not address all sorts of things about strategy and history. They want to know what these candidates will do for them if they are elected. They certainly want to know if there is more coming from the Fed and what the federal government is prepared to do if this stimulus plan doesn't work. ROMANS: Interesting. All right Ali, now some time from some perspective from here in the studio. Lakshman Achuthan is the managing director of the Economic Cycle Research Institute. Shawn Tully is the senior writer at "Fortune" magazine. Of course Ali is going to be with us there in front of a truck factory in Texas. But Lakshman let me ask you first, are we going to hit a recession? Does this blunt a recession, what the Fed has done this week with the stimulus check in the mail. And are we just postponing kind of the pain further out? Some people say it is like an aspirin. The headache is going to go away in the near term, but we still have some big issues. LAKSHMAN ACHUTHAN, ECONOMIC CYCLE RESEARCH INST: Well I think the answer to all of those is maybe to yes. You've got three big questions there. Think of the U.S. economy as a large, stone pillar. It has taken all kinds of hits, a hurricane, housing cries, oil shocks. It hasn't toppled over. Now, we are having some cyclical vulnerability joining all of these negatives shocks. And we are starting to have this pillar tip over. This stimulus, like the Fed cutting rates, or the stimulus package that they're talking about, is an attempt to just push back a little at the top of that and to right the economy again, to abort a recessionary downturn that is starting right now. I think it is beginning right now. If they wait very long, timing is of the essence, if they wait very long, this comes crashing down. Nothing can stop it. ROMANS: I want to ask Shawn real quick. I mean you are such a pessimist on this whole stimulus thing. It's like come on, an election year and all the politicians are getting involved and messing with a $13 trillion economy with a $150 billion package. Does it work? SHAWN TULLY, SENIOR WRITER, FORTUNE MAGAZINE: No, because you take money out of one taxpayer's pocket and put it in the pocket of another taxpayer, or you borrow it and you have to pay it back through higher taxes in the future. You don't really do any good. The justification of this plan is that the people who get the checks are going to spend the money. That is going to temporarily jump-start the economy. It is not going to happen because most of the checks are going to people who are relatively well off. They can get up to $2,100, these checks are big, that's for sure. If you have three kids and you make $100,000 a year, you get $1,200 for the husband and wife and $300 per child. ROMANS: Right. TULLY: However, those people aren't going to spend because people spend when they are very have confident that their future incomes are very stable or are rising. ROMANS: That's some big research. TULLY: Right. And for example in 2001 we were in a recession. We had rebates. People did not spend the money. We have the same problems now because the tax cuts that were put in by the Bush administration are probably going to be rescinded. People are looking at a less stable economy at lower incomes by a higher taxes, especially in those categories I was just talking about. And the people who really might have spent this money were the people on food stamps and welfare, aren't getting a big chunk of it. ROMANS: Velshi, jump in here. VELSHI: Shawn could be with me here in west Texas or in Arkansas or in Tennessee. That's kind of the stuff I have been hearing. In fact we spoke to someone, I don't know if we've got that clip we can run, but I spoke to a gentleman in Arkansas who was saying exactly that, what happens with this money? You get a few hundred bucks. How do you spend it? If you are paying off your credit, it doesn't necessarily help. It doesn't stimulate the economy. And if you do spend it, how far does that go to stimulating the economy. How far does it go to start jobs going? Because in the end, people are resilient. They understand that markets go up and down. They understand that housing prices go up and down. They are a little concerned about their energy and grocery costs. But Shawn and Lak, do you know what they're worried about right now? The one thing that has given most people the alarm about the future? Jobs. If they start losing jobs, then you know what? The rest of the stuff is a little less concerning. That's the problem. ACHUTHAN: Ali, keying off of that, OK look, this is why this is really important and it's not a fool's errand or window dressing to have some stimulus that consumers spend some money right now. Even if it's temporary, even if you're borrowing from the future because if we go into a recession, you haven't seen anything yet. You are going to get months on end of job losses. You are going to lose millions of jobs. So two year point, if jobs are the issue, you need to abort the recessionary downturn that is underway. And I think people don't understand what a recession is. You drop -- the sales fall, then production falls, then employment falls, then income falls and that hits sales again. If you don't abort that process, you are going to get a recession. So a little bit of spending here, an extra VCR that no one thought would be bought will actually bump up production, break that recessionary circle temporarily. We will have a recession eventually, but it will break it for now. ROMANS: Didn't we do that in 2000, 2001 to try to beat the bubble from the NASDAQ and we got ourselves in trouble? ACHUTHAN: They were late. TULLY: But the problem is, they are going to be late this time too. Because right now in the next several months, that's the biggest threat of a recession. These checks aren't even going to be written until sometime between May. ROMANS: And last time in 2001, the last checks, I believe, didn't hit mailboxes until September. ACHUTHAN: That is a failure. Why should it wait that long? I think that we should demand this gets done quicker. If there is an agreement on this on policy issues, then it should be done now. Why do we have to wait six months? VELSHI: I have a question for you guys. There are two ways if you need to get money into people's pockets that you can do this. One seems very obvious. And by the way in an election cycle, overly obvious. And that is sending checks to people. What about cutting taxes? That's what people have been asking me. Why don't they cut taxes? Is that the kind of thing you are expecting we might hear in the next few weeks? TULLY: Well we certainly are hearing it from the Republican candidates. They're almost universally in favor of major tax cuts. It is very interesting because we have a major divide here in political philosophy. The Democrats clearly want to rescind the Bush tax cuts, increase marginal tax rates, increase capital gains taxes and taxes on dividends. That's one of the reasons why I don't think a lot of people are going to be spending this money. ACHUTHAN: Well and also, how this gets done, the ultimate thing that you need to have done and maybe checks are the answer. You have to say the check is in the mail to someone who will spend it tomorrow. It may be lower income people. This is what's really needed. This is the proverbial stitch in time saves nine. If you go into a recession, the kind of money you are going to spend to mitigate that recession pales in comparison to what this bill is proposing. ROMANS: We've got to leave it there, guys. There's so much to talk about. Lakshman Achuthan, thank you so much. Shawn Tully of "Fortune," thank you. Ali, we will get back to you in just a minute. But up next on YOUR MONEY, the presidential candidates say they have the way to save the economy. Well their plans to help you and just how realistic they might be and what's going to go into effect, next. ROMANS: Welcome back to your financial security watch and YOUR MONEY. Ali Velshi, my co-anchor spent the whole week traveling across the country asking people about the economy, the issues that are facing them and about candidates on the campaign trail. Hi, Ali. VELSHI: Hey Christine, we are on the CNN Election Express. It's a 45-foot bus, the kind which rock stars and NASCAR drivers use. I've always wanted to ride in one of these things and it's a mobile bureau. We can produce entire shows out of this thing. We can even broadcast live from it. But when you pull in anywhere, people see it and they come and talk to us. So, 4:00 this morning local time, we are pulling out of Abilene, Texas and we're going to a truck stop, because that's where you have to refuel a big bus like this. And a gentleman comes up to us, 75- years-old. We weren't looking for anybody. He just came up to talk to us while I was eating my corn dog. And he said, this is a bailout. He says why do we do this? I have suffered in my life. I have lost everything. I have lost my house. I came back. I worked. There were no bailouts for anybody back then. Why are we doing this? Tell me why the government is doing this? It's an interesting question I have heard a bit about while I have been down here in the south. ROMANS: That's a really interesting point. Folks are trying to figure out how they are going to spend their stimulus check or how the lower Fed interest rates are going to help them in their own pocket. At the same time, wondering how we are going to pay for it and whether it is pushing off concerns further out. The presidential contenders on the stump touting their plans for reviving the economy. The economy, Ali, as you know there in your travels, it's the number one issue for voters in the race for the White House. The candidates, they all have very different ideas. Rebate checks, assistance for distressed homeowners, a permanent tax cut. Keeping a close watch on all of this, who supports what is Eleanor Clift, a contributing editor at "Newsweek." We are going to bring her in here for this discussion with Ali. Eleanor, thanks for joining us. ELEANOR CLIFT, CONTRIBUTING EDITOR, NEWSWEEK: Glad to be with you. ROMANS: We have an ideological difference here too between what the Democrats want to do to help the economy and what the Republicans want to do to help the economy. Is that being reflected in what we are hearing on the campaign trail? CLIFT: Well first I want to point out that Ali has a better bus than any of the candidates campaigning across Florida and South Carolina. Nice going. Yes, there is an ideological divide. Republicans for the most part like to rely on market forces. Now the president of course has stepped in with his support for $150 billion stimulus plan. So they are all going to support that. They are chiding the president, though, for not pushing to make the tax cuts that he put through when he was first in office, not to make them permanent. On the Democratic side, there is more of a reliance on government intervention. In fact, John Edwards was the first out with a program as early as December when administration figures were still seeing the economy is strong, not to worry. So the Democrats are out front on this. They are actually more in tune with what the government, the Congress, the Democrats, the Republicans, the president alike, what is actually going to happen apparently. ROMANS: They were talking about bipartisanship in Washington, rare bipartisanship. A lot of congratulations about getting this done. At least now there might be some hurdles in the Senate, but moving it forward from here. And the Democrats had to give some things up. They had to give up incentive unemployment benefits, they had to give up food stamps. But they got more people included. The Republicans had to give up for now, the president had to give up for now, an extension of those tax cuts. These may be fights that come back, don't you think? CLIFT: Absolutely. But I think for now, with the president having approval ratings in the 30s and the Congress even lower than that, historic lows, I think there was an impulse to show the country that they could actually accomplish something. I don't know that this necessarily restores faith in government but if they weren't able to do something in the face of what to many people looks like an impending collapse of the economy, I think that the psychological damage would have spun its way through consumer spending and consumer confidence and all of that. So I think this package has as much to do with psychology as it has to do with actual dollars in people's pockets. VELSHI: Or Eleanor, it may have something to do with something else. You've covered a lot of campaigns. It is January of an election jeer year. It is tough economic times. Wouldn't it be political suicide for anybody to say, I don't think we should send you a $600 check in the mail? Even if it's the wrong thing to do - we talk about this bipartisanship, unprecedented bipartisanship. Who could be on the wrong side of this? Who could sit there and face the wrath of people who are otherwise going to get themselves a nice, big check. CLIFT: Right. This is feel your pain time. If the Congress and president didn't act, it be would the equivalent of checking their watch during a debate, which is what the first President Bush so famously did and helped cost him the election. People want to know that the government cares. Government intervention may only be a Band-Aid. Actually it may cushion what could otherwise be a much harder landing as the economy does go down. Whatever it is, I think that the elected officials understand that the public is about ready to storm the gates of Washington. And this was a way to show that government can act, that government cares, that somebody is looking out for the average voter. ROMANS: All right Eleanor Clift, contributing editor to "Newsweek," thank you so much for joining us. CLIFT: Thank you. ROMANS: Coming up after the break, why one woman says the stimulus package will help the fast food industry. More with Ali right after this. (COMMERCIAL BREAK) ROMANS: A huge week about news for YOUR MONEY. The Fed cuts interest rates, the stock market goes crazy, the government wants to give you a big check in the mail and our Ali Velshi has been traveling on a bus across the south making sense of it all talking to people all week. Hi, Ali. VELSHI: Christine, we are on the CNN Election Express. It's a big, 45-foot coach. We are driving across America and we're talking to people about the economy and politics. And what a week it has been for the economy and for politics. You talked about that Fed rate cut. You talked about the massive drops on the stock market this weekend and the massive upswing. It's been busy. One woman told us that these rebates, this government stimulus program, these rebates are going to directly affect your business. She owns a Sonic Burger restaurant in Arkansas. Listen to what she told me. (BEGIN VIDEO CLIP) CHRISTINE BAGEANT, CARLISLE, ARKANSAS: It would definitely help us. It would definitely because I am a small business owner. That's who is getting hurt the most right now. We are struggling to pay bills month to month just like everybody else. (END VIDEO CLIP) VELSHI: Now I am here with Mayor David Cutbirth of Monahans, Texas, the town that we are in. Mayor, thanks for joining us. We've been asking people about the economy. We've been asking people what they're thinking about it. What's going on in this part of west Texas? What are the concerns about the economy here? DAVID CUTBIRTH, MAYOR, MONAHANS: Well right now, the economy is certainly on an upswing because of the oil and gas industry out here. So we have got a good economy and as long as the energy prices stay above $50, $60 a barrel for oil, the economy out here is good. VELSHI: As we have been driving west in Texas, we have been seeing refineries. We have been seeing those derricks working, getting oil out of the ground. But what do you think of the stimulus program? What do you think of this thing that was announced where people are going to get money back? What's the reaction you're hearing to it? CUTBIRTH: Most reaction I hear is good. It's good to get a little bit of money back. And if they get it back to us by May, then it will kick in and hopefully we can keep or the Congress and the president working together can keep the country from going into a recession, which is very important. VELSHI: What do you hear? Do you think people think we are in a recession right now? Do you feel differences in the economy or is this a little bit insulated because of the fact that energy is a big part of the economy around here? CUTBIRTH: Around here is a little bit insulated. The energy prices drive the economy out here. It is not boom time out here. But it is extremely busy out here. VELSHI: What are you hearing from people about the election, about politics and what the candidates have been saying? Is there some sense of people - people across the country seem very, very engaged in this particular election. Are people around here happy with what they are hearing in the campaign so far? CUTBIRTH: I think it's really fantastic the way both campaigns, Republican and Democrat, have both been going. We get to listen to a lot of ideas. And all of the debates that they have done have really been good. Rural Texas, most people out here will vote at the Democratic primary. Some of those people might actually vote for a Republican when you come to November. But, they are real interested. There is a lot of interest in the presidential election this year. VELISH: And of course Christine, this is one of those Super Tuesday states that we are going through. So there is a lot of attention from the candidates to these states. Mayor David Cutbirth, thank you for joining us. Christine, back to you. ROMANS: Ali, I'm wondering, what are people on the trail telling you they are going to do with that check when they get it, or whether they are going to take advantage of lower interest rates if they should trickle down? Are people going to pay down debt? Are they going to go shopping? Are they thinking about refinancing? Do people have plans for that money or are they still trying to figure out when they're going to get it? VELSHI: It's interesting that you mention that, Christine, because people have been telling me that they think that it is going to be used to pay off debts. The debt level that people are carrying is so high that they want to pay that off. Remember, if you are paying 10 or 15 or 20 percent debt, your return on that investment by paying that debt off is going to be a lot more than investing it in the stock market, at least for the moment. Although that may not be a good long-term strategy, that's the problem. If people take the checks and just pay off their loans, it's excellent for them, that's a good thing to do. It's not particularly excellent for the economy. ROMANS: The Fed chairman, as we reported last week, he pointed out for people, it might be better to pay off debt. For the economy, it is better to spend it. If you're going to spend it, he says spend it on domestically-made products so that it stays in the U.S. economy. All right Ali, thanks. We're coming back to you in just a minute. But up next, much more on financial security watch. To refinance or not to refinance? Some surprising advice about whether now is the time to buy a home if you're not already in the housing market. Our own Gerri Willis will answer these questions. And a way to stop worrying about your 401K right now. Stop worrying. We have some good advice for you. You're watching YOUR MONEY, next. (COMMERCIAL BREAK) WHITFIELD: Hello, I'm Fredricka Whitfield in Atlanta. Here are the top stories right now. It's been one hot race and now Democrats in South Carolina are having their say. The candidates making last ditch pitches as voters head to the polls. CNN's Ballot Bowl is back and that kicks off in 30 minutes from now. Southern California avalanches are now blamed for two deaths and with more storms on the way, some people are leaving their homes. Areas ravaged by last year's wild fires are especially susceptible to landslides now. An autopsy on a decomposed body found by train tracks in Chicago could shed lights on the case of Stacy Peterson. Peterson has been missing since October. Her husband is a suspect in her disappearance. And dramatic pictures, minor injuries and still no word on what caused the fire at the Monte Carlo resort and casino in Las Vegas. Guests are being housed in other hotels for now. Coming up at the top of the hour, CNN's Ballot Bowl. Now, back to more of YOUR MONEY. ROMANS: Welcome back. Your financial security watch continues. The U.S. maker of Thomas the Tank Engine has agreed to a $30 million lawsuit settlement for its part in a massive toy recall last year. RC2 this week reached a deal to end a class action suit triggered by its Chinese made Thomas and Friends wooden railway product. They were named last June in the first recall prompted by, remember, last year. RC2 will give cash refunds and replacement toys to plaintiffs and improve its quality control system. Also this week, a new round of buyouts at Ford for its 54,000 hourly U.S. workers. The company saw 30,000 workers leave in a similar move back in 2006. Ford is struggling to break three straight years of losses. Now, Ford warns it expects the losing streak to continue this year. Ford lost it's long-held number two status in the U.S. to Toyota just last year. And get this. Own a home? Merrill Lynch expects the housing mess to just get worse. Merrill forecasts a 15 percent drop in house prices this year followed by another 10 percent in 2009 and Merrill predicts the slide will continue into 2010. Speaking of housing, if you have got a mortgage, particularly one you are none to happy with, you would think now might be a pretty good time to refinance, right? As we mentioned, the Fed dropped the key rate by .75 of a percentage point in an emergency rate cut this week. Our personal finance editor and "OPEN HOUSE" host Gerri Willis joins us now to look at some options for your mortgage loan. I've been asking people about this and they say if you have got good credit and you are going to stay in your home, it might be time to refinance. GERRI WILLIS, CNN ANCHOR: Well the good news here is that some of this rate cut is actually filtering through to homeowners. You are seeing a 30-year fixed rate now of 5.4 percent. That's pretty luscious. I think it's worth taking a look. But it's not as easy as it used to be. You said you have to have better credit. That's absolutely true. One mortgage broker we spoke to said that you need a credit score of 720 now, compared to 660. He says that of the people who walk into his office, it used to be that eight in 10 were eligible for a refi. Now, it is three in 10. You've also got to have more equity in your home, as much as 20 percent. But look, these numbers, they vary across the country. They are different everywhere. It depends on how big your mortgage is. So check out the details. It's definitely worth checking out. ROMANS: All right Ali, I want to ask you something here. Earlier in the program we had Lakshman Achuthan and Shawn Tully and I asked them just after the segment was over, I said listen guys, the big question is is now the time to buy a house if you already sold your other house? You are not in the housing market. And they both I am going to tell you emphatically said no, no, it is not the time. There is going to be a lot more down side. What do you hear on the bus trail, if you will, about whether people are getting more confident about housing? VELSHI: Well, here is the thing. I mean Gerri will tell you, these numbers that came out for the year, for 2007, the biggest decline in home sales the first times I think since the Medieval Times that there's been a drop in the price of an existing home and the median price of an existing home in the U.S. People are very concerned about that. The question is, at some point, when are we going to know what the bottom is? We have had some forecasts that the whole of 2008 is going to be as bad as 2007. This is what people are uncertain about. If we think we are the bottom, what a fantastic time to buy a house. But how are you going to know when that is the case? You see that trend moving up and you get into it? WILLIS: They said a 6 percent drop December over December. That's from the National Association of Realtors. Now with their numbers, you never know. It can be about who's buying houses. And it's probably the low end of the market right now. So that can skew things. But I'm telling you, the numbers are ugly, u-g-l-y. No way around it. I tend to agree with these guys. You might want to start the search now, but I'm telling you, I think prices will continue to go down, particularly in those markets that have been go go, on the coast, east west coast. Florida may not be done yet. But it's time to start putting out the feelers. I know people who have gone out and bought foreclosures. They have contacted realtors who kind of specialize in that right now. There are lots of people specializing in that right now. And they're getting really good deals. I mean, you can't precisely time this. This is exactly like trying to -- similar to trying to time the stock market. You can't do it. VELSHI: Gerri, let me ask you this. Most folks that I have been meeting across the country are smart enough to know that we journalists are not experts at particularly anything. So they haven't been doing a lot of asking, they've been doing a lot of telling. But there is one question they're asking me and I'm going to ask it to you. Why, if you have good credit and you can get a 30 year mortgage for 5.49 percent and somebody told me earlier this week they got 5.2 percent, why is anybody in this country with good credit in an adjustable rate mortgage right now? WILLIS: Because they were trying to buy a home that was too expensive for them or they had bad credit. WILLIS: No, but we've seen these low rates for a while. If you have good credit, shouldn't you have been refinancing over the last few months? Shouldn't you be doing it right now? VELSHI: It all sounds great, Ali, but the reality is a lot of people couldn't afford to actually get into a 30-year fixed rate loan because they had bought a house that was too expensive. So even refinancing into a loan, they are forced to refi into that adjustable rate mortgage. I feel your pain. I hear from people all the time who say, don't bail these people out, it is all their fault. ROMANS: Well if that person is your neighbor and that housing price is going down, your housing price might be going down as well too. All right Gerri Willis, thanks so much. Ali Velshi on the road. He had a corndog for breakfast, we'll get more about that. That's the newsflash of the morning. Up next, you do not, I repeat, you do not have to panic about your 401K. The reason why is next. (COMMERCIAL BREAK) ROMANS: You're forgiven if you're a bit queasy about your retirement portfolio. Obsessively checking the losses in your 401K this week? Don't panic just yet. Walter Updegrave is here. He's senior editor at "Money" magazine and our resident 401k guru. You know if we take the advice and we diversify and we're in the right kind of category, the right kind of allocation for our age, big declines like this shouldn't really freak us out that much. WATER UPDEGRAVE, SENIOR EDITOR, MONEY MAGAZINE: Right. You have got many years for a lot of people until they retire. So you don't have to worry about what's going on over the next couple of months. And even after you retire -- when you are 65, you are probably going to spend maybe 30, in some cases longer, in retirement. So you still have a lot of time. So as long as you have a plan and you are not trying to react to all these little fears and every little wiggle up and down in the market, you will be fine. ROMANS: Walter, I want to look quickly at what these two plans. If you are just approaching retirement, say you are in your 60s, this is what your portfolio should look like. An appropriate retirement allocation, pre-retirement allocation, about half stocks, right? UPDEGRAVE: Right about half stocks and half bonds if you are at retirement. And the reason for this is you still need the stocks portion to give you some long-term growth because you are going to be drawing money. Prices are still going to be going up. So you want to keep your purchasing power in line with inflation. So you need that. The bonds will provide some balance during these kinds of periods where the market is going down. ROMANS: In the beginning of your career, you have to load up on stocks. UPDEGRAVE: In the beginning of your career, you really want that growth because you are putting away money and you've got to get this maximum amount, build your nest egg as large as you can get it. And you really need to return to stocks to do that that. ROMANS: In between is the hard part and when you're reacting to something like this when you think, your initial reaction is "I've got to get some money out of stocks." But other people are saying, "I've got to get more money into stocks. They're cheaper now." UPDEGRAVE: Well, you can have this sort of endless debate. Is now a good time to get into stocks? Is now a bad time to get into stocks? As we just saw, some of the segments here, nobody really knows what is going to happen. Is the stimulus package going to work, are we going into a recession, if so, how will that affect the market? So I think that the best thing to do is just to set a stocks/bonds allocation. And kind of let it ride, don't try to fool around with what's going on in the market. Just keep putting that money away, of course. VELSHI: Walter, I know, I just love listening to this part of what you say because this is the thing. The fear is not for people who have 40 years left to work. It's those that have less than 10 or five and they're worried about it. And I love that you say people have to be in stocks. One of the things that Christine and I always hear and I bet you do to, is people say, what stocks? There are some industries in categories that do well in a recession. If you are going to have 50 percent of your portfolio in stocks at the age of 60, you still have to have a lot of stocks. You've got to keep that diversified. It's got to be in mutual funds or some great basket of stocks. UPDEGRAVE: Well ideally, you want to have a very diversified portfolio, something that kind of basically mirrors the stock market. Unless you feel you have some special insight into what sector is going to do well and what sector is going to beat the others? I don't think most people have that sort of insight. So I think you just want to keep it very broad. And I think, Ali, you bring up a very important point. For people who are really just on the verge of going into retirement, there are two things. One is the value of their portfolio, which they want to naturally -- they don't want it to go down too much. So that's why you have limited exposure to stocks. But also, you have to keep in mind the spending. So if you are in a period early in retirement where the market is going down for a few years, you can get into a real crunch because you have two things going on: a market loss and also the portfolio is going down because of spending. So you have to be very careful there. You also want to keep an eye on the spending part. And if you have several years where the market goes down, you may want to sort of pull your horns in a little bit on the spending. ROMANS: All right Walter Updegrave, thank you so much for joining us. Do not panic. If you follow his advice the rest of the year, this is a walk in the park, a piece of cake. Thanks, Ali. We will talk to you in a minute. Coming up next on "YOUR MONEY," why your morning cup of coffee might cost you a lot less money. Jennifer Westhoven is here with that story next. (COMMERCIAL BREAK) (BEGIN VIDEO CLIP) JOAN, LITTLE ROCK, ARKANSAS: Every week my food prices are going up. My suppliers are now charging an additional delivery charge to make up for fuel costs. VELSHI: And your dairy, your wheat, your bread, things like that are costing you more? JOAN: Oh, yeah. We were talking the other day about three years ago, I was paying $20 for 30 dozen eggs. They now cost me $52.99. (END VIDEO CLIP) VELSHI: That is the story we are hearing across America. People are concerned about the prices they are paying for things, from fuel to food. I am Ali Velshi and I am traveling across the country with the CNN Election Express. This is a special financial security watch edition of YOUR MONEY. Christine Romans is with me. She is in New York. Christine, you should be on the road with me. We're getting some great stories out here, but I miss being with you in there. ROMANS: I know, I miss you too. It's really fun to kind of sit next to you, but it's fun to see your fashion choices out there on the road, Ali, in west Texas. We are here in the studio with Jennifer Westhoven to talk a little bit about Ali has been talking about this hour and that is the stimulus package. What it's going to look like, who is going to get it, how are we going to spend it and will it work? JENNIFER WESTHOVEN, CNN CORRESPONDENT: Yes and I think one of the things so many people you know, you are hearing all about this, when is that check coming? The package may have been approved by the politicians, but you might have to wait until summer to get your check. The IRS of course right now focused squarely on tax returns. It has got to reprogram its computer systems to handle the change and the alternative minimum tax. So taxpayers are already have to wait longer to file their taxes. It's stalling the whole system. So these checks may not be in the mail until May or June at the earlier. And with 100 million checks to print, it could even be late summer. And of course the plan's supporters have even agreed that speed is crucial, getting the cash into the hands of Americans so that they might spend it pretty soon. And I think a big question of course is right, is this really going to work? What if people save this money? Then it doesn't really help the economy. And what if they go out and spend it at Wal-Mart? So many of those products are made in China. ROMANS: Even Ben Bernanke, the Fed Chief, and we reported this last week. He said, some people should pay down the debt. Others if you're going to spend it, spend it domestically to help the domestic economy. I guess helping Wal-Mart would help American manufacturers but the foreign production. WESTHOVEN: But in some ways you can see really how that money would end up not really doing the best job that it could do. ROMANS: How about a cup of coffee, a cheaper cup of coffee? WESTHOVEN: That could really work. And that takes us to the chain that taught Americans today, $4 or more for a cup of coffee is now trying out a $1 cup. Starbucks is experimenting with an eight ounce cup of coffee that sells for just a $1 plus free refills. They are only trying this out right now in their hometown Seattle market and I've got to tell you, the chain does not want to talk about this much. They're not giving out any of the details. But Starbucks is under intensifying competition from the likes of McDonald's and Dunkin' Donuts. McDonald's is starting to put coffee bars in and baristas at many stores this year. And Starbucks has said that its customers are clearly feeling the pinch. They are seeing a slowdown in traffic. I love that they're seeing competition on the low-end coming from McDonald's and Dunkin' Donuts. There's also talk that for a lot of coffee purists, they are finding other things on the high end that Starbucks isn't fancy enough for them anymore. ROMANS: Oh, interesting. Jennifer Westhoven, see you again next weekend. Thanks, Jen. The stimulus package is meant in part to boost business. But not every country has the ability to do that for their people, especially in the developing world. And that's exactly mission of one organization we want to tell you about. With your participation, KIVA provides loans to people in these countries in hope of helping their businesses thrive. (BEGIN VIDEOTAPE) ROMANS (voice-over): Miyanaga, Kenya, it's about as far as you can get from a major stock exchange. That hasn't stopped Metrine Wandera and her cereal business from investors. DAN BEEVE, KIVA LENDER: About a year ago we lent $25 to Metrine in Kenya to expand her cereal business. ROMAN: Dan Beeve is a project manager for a manufacturing company in Chicago. He found Wandera through KIVA, a nonprofit helping people in developing countries. Here's the way it works. Loans are offered interest free to people with a business plan and a dream in the most impoverished countries. Loans as small as $25 or $100 can change the course of a life. Wandera needed just $150 to increase her product line and raise profit. Her earnings send her children to school. JEFFREY SACHS, UNITED NATIONS ADVISER: These modest investments help people to get on the first rung of the ladder of economic development. ROMANS: Dr. Jeffrey Sachs is a United Nations adviser and a leader in the fight against poverty. SACHS: If microfinances combined with investments in community infrastructure, such as safe water and the clinic, the school and the road, the combination is very powerful and it can help lift a whole village out of poverty. ROMANS: Many lenders share their wealth again and again. BEEVE: When a loan is repaid to us, we reinvest it and reloan it to another borrower. ROMANS: KIVA warned lenders that they may lose their money but very few have. The loan default race is less than 1 percent. While lenders don't make a profit, the emotional return is impossible to quantify. (END VIDEOTAPE) ROMANS: For more information, visit, www.kiva.org. There are three things happening next week, three things that could make a difference to your wallet. We will tell you what they are right after this. (COMMERCIAL BREAK) ROMANS: So much coming up in the week ahead that could affect your wallet. Carrie Lee is here to tell us what we need to pay attention to. Carrie, the State of the Union address, the president is expected to talk a lot about the economy. We're going to hear more about stimulus, fed rate cuts and what they are going to do to avert a recession. CARRIE LEE, CNN CORRESPONDENT: Exactly. Well let's talk about the State of the Union address because that comes first, 9 p.m. Eastern time on Monday night and the economy is going to be front and center. It is on a lot of people's minds. Of course we know that now, last week, President Bush said that our economy is strong, dynamic, and resilient. And he is talking about increasing consumer spending with these tax rebates everyone has been talking about this. I think at this point though there are more questions than answers. We have talked about people getting $600, $1,200. Where is this money going to come from? How effective will it be? We saw a similar plan in 2001. A lot of people say results were mixed so I'm wondering whether he's going to go into more detail on this plan. ROMANS: And if the economy is strong, resilient and underlying strength, we're just looking to boost an economy with underlying strength. It's a wonder, I guess, someone has asked if it's an election year is why we're pushing ahead with this plan. LEE: Right, is it contradictory? Is this sort of a feel-good measure? How effective will it be? How is it going to tie into say, tax refunds? That's what was on 2001. It wasn't free money people were getting, it was basically an advancement on the refund checks that we would have gotten anyway. ROMANS: Let's talk about the FOMC. That's the Federal Open Market Committee. That is the Fed. The Fed cut interest rates in the emergency rate cut this week. They will meet again. What are we expecting there? LEE: That's right Tuesday and Wednesday, they will announce their latest decision on interest rates. We will see if we get another rate cut on Wednesday, January 30th. A lot of people are expecting that the fed will cut rates again. Some people Christine, are expecting even another half point. The question for Ben Bernanke and team or the concern are, some would say, are they being too reactive? Are they being too influenced by the falling stock market? Some people say it's too little, too late. They should have done this a long time ago. And then of course the challenge for the Fed, if they keep cutting rates and the economy doesn't pick up, if prices stay high we're in a stagflation situation, that's a tough situation to get out of. ROMANS: That's a tough situation. There are serious concerns continuing among economists about that. We will find out about the job situation next week as well. Carrie Lee, thank you so much. OK now we breathe and figure out where all of this stands. Bottom line what it means for you, a look at who wins and who loses with interest rates cut by.75 of a percentage point. First, the good news. The rate cut works in your favor if you have good credit and a secure job. It means you may be able to get better rate on car loans and mortgages. However, the Fed cut rate won't do much if you are saddled with bad credit. Don't expect relief if you're carrying credit card debt or are falling behind in your mortgages, two huge problems weighing on the economy. And the big loser here could be those with money tied into safer money market funds and savings accounts. You can expect lower rates of return on the money on the sidelines. Ali bottom line, the rate cut and rebate checks help a little. But many Americans may still be in big trouble. They have got some serious choices ahead of them. VELSHI: If there are people who have credit cards by the way that move with the prime rate and when the Fed cuts rates, as you know, Christine, when the Fed cut rates on Tuesday, it dropped the prime rate by exactly that same amount. So there is some relief for people with credit card rates. I am going to be in Chicago, by the way, for what the Fed does this coming week. But the question around here is who does benefit exactly? There are people who have lost jobs. There are people whose home values as we've discussed are much lower than they were a year ago. There are people whose interest rates are a lot higher. Those are the three things that are coming together to effect people's mood about the environment. I'd like to sort of say the stock market, it's got to do with your time horizon. If you are 20 or 30-years-old, don't lose any sleep over this sort of thing. If you are 50 or 60 or older, you do want to consult with some expertise, whether it is on the Web or talk to people you know or talk to an investment advisor about what it is you should be doing because you can't get out of the stock market. You can't abandon the stock market. There are places you make money, even in tough times, right? ROMANS: That's absolutely right. Ali Velshi, tank you so much, Ali. I can't wait to see you from Chicago next week. Of course it's a bond market, that's why you'll be there for the Fed meeting. But it's great to see you in the south. Can't wait to hear all about your exotic breakfast along the way. You really did have a corn dog for breakfast? VELSHI: You know, it was one of those, you are on the road, you grab food when you can. And I started the trip having protein bars for breakfast. I was really healthy, really good about it this morning. It was a corn dog with a side of beef jerky. ROMANS: Nice. Ooh, that sounds disgusting. All right Ali Velshi, thanks so much. Thanks for joining us for this edition of YOUR MONEY. You can see Ali every weekday morning on "AMERICAN MORNING" or wherever the CNN Election Express bus stop happens to be. And I'll be seeing you later today on 6 p.m. Eastern for "LOU DOBBS THIS WEEK." We'll see you back here next week, Saturday at 1, Sunday at 3. See you then. CNN's Ballot Bowl with the best political team in television, that starts right now. TO ORDER A VIDEO OF THIS TRANSCRIPT, PLEASE CALL 800-CNN-NEWS OR USE OUR SECURE ONLINE ORDER FORM LOCATED AT www.voxantshop.com


text:
NimbleX: The Diet Slackware - The word "nimble" is an adjective that means quick and light in motion. It is also a quality that the young NimbleX Linux distribution is boasting. Based on Slackware, the grand daddy of all distros, its main goal is to provide the latest and greatest open source applications to those who have lower-end computers.
Recently, I contemplated on replacing Xubuntu from our old Prestigio laptop. Cassandra Mint was a good candidate to replace it but I was looking for an even lighter distro. I tried the very lightweight DSL about a week ago but I find it not suitable for beginners and it still lacks what a complete desktop has. Then yesterday, I ended up reading Tuxmachines' review of NimbleX which was very positive. So I immediately downloaded the newly released sub 100 version of NimbleX. It took an hour to complete the download and then I was ready to roll. I tested it first on VMWare to know if it really is capable enough to be installed on the old machine. Here is what I found out about NimbleX:
Test Machine Specs:
Board: Intel Corporation D102GGC2
Processor: 3.40 GHz Intel Pentium D
Hard Drive: Samsung 80GB ATA with 8GB allocated to VM disk
Memory: 2GB DDR2 RAM with 512MB allocated to VM memory
Display: RADEON X300/X550 Series [Display adapter]
Test Machine Specs:
Board: Intel Corporation D102GGC2
Processor: 3.40 GHz Intel Pentium D
Hard Drive: Samsung 80GB ATA with 8GB allocated to VM disk
Memory: 2GB DDR2 RAM with 512MB allocated to VM memory
Display: RADEON X300/X550 Series [Display adapter]
NimbleX is developed in Romania by Bogdan Rădulescu, and is available in either English or Romanian language interface. Being based in Slackware, it uses linux-live scripts with the advantage of having thousands of available free software packages. NimbleX is not yet ranked among the top 100 in Distrowatch.
The NimbleX sub 100 version Live CD is only about 100MB in size, thus the name. You can download it directly from here. It doesn't come with a complete hard disk installer but it is possible to install it manually by following these instructions. A USB installer can be found inside the home directory. They said that it can also be used as a hard drive installer but I tried it without having any success. I didn't have the luxury of time to install NimbleX manually, but anyway it really is unnecessary as I'm still testing it yet.
Look and Feel:
I was impressed at how NimbleX managed to pack a good looking KDE desktop inside its diminutive size, and made it so responsive that I feel like I'm using XFCE. I tried switching from one screen resolution to another without having some problems. The default theme and wallpaper is fine coupled with few extras. Other eye candies like boot splash and start-up splash screen images are quite pleasing so I would say it was a praiseworthy job by the artwork team.
Package Management:
There are good amount of software installed by default including Xine multimedia player, Guarddog firewall, Kate IDE, Konqueror web browser, a CD and DVD burner, Gimp image editor and plenty more. I was surprised though that it didn't have Firefox, but I did successfully added it using Kweb2mod as you can see from the screenshot. Kweb2mod is an experimental program that will mount application modules live and direct from the the NimbleX repository. While not plenty, the repo contained essential software like Java Runtime Environment and OpenOffice.
NimbleX is fairly stable in my VMWare testing environment and it really is fast for a KDE desktop. The only understandable slow time I had was when mounting program modules from the web. But once mounted, the opened application will run fast enough for functionality. I must admit that I still have to test it for a much longer period of time to really judge its stability; maybe later on the old laptop. I will just keep an update on that.
The NimbleX distribution has a prospect and is on the right track to be popular. It gives hope to those who maybe are still using Windows 98 today due to their ultra low-end computers; and for goodness sake please burn that rubbish OS. All things considered, I find NimbleX really easy to use but I will recommend it only to novice users for the lack of automated installer. NimbleX is true to its name and is definitely worth a try. It is without doubt one of the fastest Linux distributions available today.
#UPDATE: I have already tested NimbleX on the old Prestigio 109 laptop with 1GHz VIA Nehemia processor and 256MB of RAM; sad to say, it failed miserably. When I chose the normal boot option which is to KDE, the system freezes and I have to hard reset the laptop. Command Line Interface (CLI) mode is the only thing that worked and when I try to login to KDE via CLI there was an X server error. I tried every boot parameter options but without any success. I didn't want to dig in anymore to find out what's causing the problem. It's the job for the developers to figure this out and somehow improve their hardware support; but I don't want to assume yet that it is poor in this department. I still want to hear those who have also tried NimbleX.

subset: commoncrawl


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its unique place among its authors works; its Sentimentalism
Continuation, Stage adaptation and Parody; Fielding and Richardson
Sir Charles Grandison:
its shortcomings and its psychological value
The Cambridge History of English and American Literature in 18 Volumes
Volume X. The Age of Johnson.
§ 5.
its unique place among its authors works; its Sentimentalism.
The conception of
was prompted by something besides his natural desire to turn his newly revealed faculties to fuller use. Indeed, the design of the book was not only to convey a moral; it was to improve on the teaching of
and to correct any rash or unfair inference that might have been drawn from it. Well might Richardson be alarmed lest the teaching of his first novel should be misconstrued: would not romantic serving-maids and confident damsels dream of conquering their masters or lovers unruly passions, and was not Mr.B. too apt a confirmation of that dangerous axiom that a reformed rake makes the best husband? While the author of
had been optimistic, because it was his main purpose to point out a positive example, the author of
thought it his duty, rather, to offer a warning, and to lay stress on the exceptional nature of conversions.
Clarissa, or, the History of a young Lady,
was, thus, doomed to end in gloom, and to be a demonstration of the perfidy of man. As the title-page declared, the book was designed to show the Distresses that may attend the Misconduct both of Parents and Children in relation to Marriage. The first edition consisted of seven volumes, two of which were issued in November, 1747, two more in April, 1748, and the last three in December of the same year.
The higher merit and the unique place of
among Richardsons works are due to a deepened consciousness of his purpose and to a nobler energy of conscience. Puritan ardour and intensity is better able here to take the place of the suggestions of art, inasmuch as it is itself exalted into its most refined essence. That Clarissas heroic virtues should be sustained by her trust in a heavenly reward is, no doubt, a lesson unpleasantly thrust upon us during the latter part of the story; indeed, the piety of the poor sorely-tried soul partakes of the strictest and sternest spirit of an austere Christianity, and, in the rapture of her penitence and expectation, she refuses to see her friends, because God will have no rivals. Again, the gusto with which the author deals out fit endings and terrible deaths to the wicked, and his claim that every personage in the novel finally receives his or her due, belong, rather, to the sphere of edification than to that of realistic observation or artistic effect. But, leaving out the last episodes, and the constantly implied or expressed hope of a Providential remedy for human wrongs, the tragedy of suffering and sorrow which Richardsons genius has spun out of itself reaches a greater breadth and height on the familiar stage of this world; it is free from the trammels of religious utilitarianism as well as of moral convention. The literary formula he had invented and made his own is thus afforded a wider scope. Whatever intrinsic artificiality it may contain is, of course, not less apparent here than elsewhere; the readers goodwill and complaisance are required on many points; a painful ingenuity has to be expended by the author in order to squeeze the writing, and, frequently, even the copying, of the epistles, into the bare limits of time allowed by the story; the network of the letters retains many items of trifling interest and, necessarily, implies a good many repetitions, while not a few incidents of the plot which could hardly be transmuted into the self-consciousness of the personages of the novel or into their knowledge of one another have to be allowed to slip through. The deliberate style of almost all the correspondents drags along into unparalleled lengthiness; and Lovelaces self-revelation in his cynical confessions to his friends is, at times, irreconcilable with psychological truth. Still, when all is said, the clumsy framework of this epistolary drama is so constantly hidden under the creative wealth of a wonderfully minute imagination, and the enormous body of the narrative, as a whole, is borne along by so irresistible a flow of emotion, that Richardsons masterpiece remains one of the great novels of the worlds literature.
Its appeal is to the heart. No doubt, the psychological interest of the book is broader and more varied than that of
Though Clarissa is proposed as an example to all young ladies, she accomplishes the all but impossible feat of remaining an attractive pattern of virtue. Not that she is faultlessa fact of which Richardson was well aware, though, perhaps, less so than he would have allowed. But there is a true nobleness, a natural dignity in Clarissa, a power of stedfast suffering, a true delicacy, an ardour of affection; while, together with her serious bent of mind, she has the supreme touch of a winning naturalness, fresh, unexpected and even provokingly spontaneous, which makes her a match for her friend, the sprightly Miss Howe. Nothing is finer or truer than the evolution of her feeling for her unworthy lover; nowhere else did Richardsons knowledge of the feminine heart stand him in better stead. Lovelace, undoubtedly, is the forerunner of a long series of romantic heroes; the drawing of this character reveals a strangely penetrating insight, on the part of the author, into motives and moods, together with an almost naïve exaggeration. His is a divided soul, a study in the subtle degradation wrought by desire; he is, at the same time, more than a mere human personagea power of darkness, the prince of lies; and the weird letter in which he murders his own conscience and himself tells the tale of the bloody deed is a triumph of imaginative art though a sin against realistic truth. The Harlowe family, and several of the less important figures, are depicted with a remarkable wealth and vigour of characterisation. In the history of the English novel, no such group of boldly and strongly sketched personalities had, hitherto, served as a background for so individualised a pair of lovers. And yet, the mere aesthetic appreciation of a profound study of the working of the human mind is, as we read, lost in our sympathy with a heart-rending story of undeserved woe. The family tragedy of the first volumes seizes upon our emotions like the slow, oppressive, inevitable approach of a storm; the circle of fate grows narrower and narrower as it closes round the unprotected Clarissa; and the chain of circumstance and event is woven with an extraordinary strength of dramatic cohesion. No sooner has Clarissa fallen into Lovelaces power, than the crushing of her will and pride in a hopeless struggle is impressed upon us with the relentless, terrible determination of religious enthusiasm; only Dante or Bunyan could have painted such scenes with the same inflexible rigour. When her heart is broken, and she has nothing left to her but to die, the pathos of her long agony is overdone. Such cheap means of emotion as the coming of death, with all its attending circumstances, had not yet been exploited to satiety by domestic dramatists and sentimental novelists; Richardson avails himself of them only too fully, and our overwrought nerves are offended by his want of artistic taste. But, as is well known, his contemporaries were not so fastidious. During the months of breathless suspense when Clarissas fate hung in the balance, many letters reached the author deprecating a catastrophe; and, when the heroine, having settled all her affairs and written her eleven posthumous letters, actually departed this world, England burst into a wail of lament; nor was it long before the contagion of sorrow spread to the continent.
Continuation, Stage adaptation and Parody; Fielding and Richardson
Sir Charles Grandison:
its shortcomings and its psychological value
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text:
I just purchased a Hercules Westlake with a Sachs 504 engine that has severely worn points and refuses to run for more than a few seconds even after re-adjusting the timing and carb. I would like to overhaul the ignition and replace the points and condenser but it came equipped with a motoplat magneto and I can not find replacements anywhere.
I'm now wondering if I can swap to the Bosch magneto, points, and condenser as they seem to be more plentiful - although I still haven't found one.
Or is there another suitable magneto from another moped that can fit this engine? I have heard the za50 can work but was not told whether it requires heavy modification or new flywheel. Any help here would be appreciated. I would like to get it running near stick before contemplating a CDI upgrade and even then there doesn't seem to be any CDI setup designed for the 504. Things seem to favor the 505. I'm at a loss for knowledge and experience and fling myself at the feet of more experienced mechanics and riders. Thank you for your help!


text:
The Ultimate Fighter Fridays
Season Two - Episode Descriptions
Episode 5 - "Team Carwin vs. Team Nelson - Unleash the Beast" (Airs October 12, 10:00 pm e/p) - Julian Lane lashes out after being disrespected by another fighter. Team Nelson wants more coaching from Roy. Mike Ricci once again finds himself at odds with Nic Herron-Webb. Coach Carwin chooses two Welterweights to collide in the 4th Preliminary fight.


text:
New York City police are investigating harassment complaints made by actor Alec Baldwin and a New York Post newspaper photographer after an altercation.
According to police, photographer GN Miller says the former 30 Rock star yelled racial epithets and other insults when he was trying to take pictures of the actor outside his Manhattan apartment.
Baldwin maintains he yelled at the photographer, but never said anything racist. He called the allegations "outrageous."
Baldwin called police and filed a harassment complaint on Monday. The photographer later filed a cross-complaint.
The police department's Hate Crimes Task force was looking into the allegations.
The Post had no comment beyond its published report.


text: Shehab Ji is an Indian comic artist. He grew up in poor conditions. He had to work as a carpenter to earn his living after his parents died and he didn't go to school until after he was ten years old. He started his artistic career with a 1/2 page cartoon, before creating his full 32 page comic series 'Chotu-Lambu' for Diamond Comics in 1958. This was followed by more creations, including 'Manglu Madari-Bandar Bihari' and the pantomime comics 'Chimpu' and 'Chaman Charlie'.


text:
Judge Eases Age Restrictions on Plan B
A federal judge on Friday ordered the Obama administration to make the Plan B contraceptive available over-the-counter to young teens without a prescription. Brent Kendall has details. Photo: AP.
This transcript has been automatically generated and may not be 100% accurate.
... I ... a federal judge has ordered Plan B contraceptive be made available over the counter to teenagers WSJ's bring handled joins us from DC with deatails friend thanks for being here ... things are happening so now I understand the ruling is that this has to be available within thirty days to get is this something that we can actually seem ... to really be moved on quickly ... well I mean he had an X men as it is up to the tothe SDN and there's a chance if they want it to the administration could choose to appeal this ruling ... basically what the judge said this morning was ... he struck down a decision by HHS Secretary Kathleen civilians at the end of two thousand eleven ... especially order the FDA not to improve access for young teenage girls for every encounter access to plan B ... even though the FDA ... was set to improve the usability A step then overruled them ... instead she had concerns about ... young girls to girls as young as eleven being ever going to store ... and and and by this emergency contraceptives without a prescription ... present Obama ... supported her decision but the judge today said that that ... their actions were reasonable an arbitrary and that ... I never rolling the FTA Secretary civilian space they ran roughshod over the agency's long standing policies of when to get that Trout's over-the-counter status ... to this to be something that we would see easier access to use as you said it's up to the FDA what to do next so what could happen here ... with a ... decade's worth of litigation on this at the same judge previously in two thousand and nine ... said it wasn't enough for the drug to be available without a prescription ... for women ever the age of eighteen he said seventeen year old should have the same access the ... and in that case you know the FDA allowed for seventeen year olds after the judge's order ... in two thousand and nine and it did not appeal that case I'd ... hear the FDA has not commented this morning and it's not clear yet what their next move will be in if they don't appeal ... and and follow the judge's order to not make it available within thirty days and it is conceivable that we can see that much more widespread access for of for plan B ... with them on ... an elite Captiva talk about the eleven year-old how young could this be in effect for ... well maybe he under the judge's order there would be no age restrictions ... for producing this revenue would not ... a new prescription all the judge said you know that he pointed to studies that said even for him for women who are supposed to be a would have access to this without a ... prescription there had been ... barriers and problems with pharmacies and things of that nature and so on in his role in ... I'm ... you know any body would be a little walk into a store after store said agreed to sell it and ... by this is the key with by any other over-the-counter


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Oct. 28, 2011
FULLERTON, CA - Sophomore Lauren Mellano's first goal of the season off a cross from her sister Caitlin two minutes into overtime broke a scoreless tie and lifted host Cal State Fullerton to a 1-0 extra-time victory over Pacific on a record-tying Friday night at Titan Stadium.
The Titans (8-8-3 overall, 2-4-1 in the Big West Conference) tied an NCAA record in the victory with their 11th overtime match of the season, equaling the mark set by William & Mary in 2005. Fullerton evened its mark in overtime at 4-4-3 with the victory and posted its first extra-time win since defeating UC Santa Barbara, 2-1, on Oct. 2.
The Tigers, needing a win to stay in the race for a spot in the Big West Tournament next week, fell to 8-8-1 overall and 2-4-1 in league play.
"This game serves as another reminder for us as to the potential we have," Head Coach Demian Brown said. "With this young group of players, this match will help lead us into Sunday's game and ultimately a fresh start to the 2012 season."
After a scoreless 90 minutes, the Titans capitalized on the first shot of the extra period with just under two minutes gone. Caitlin Mellano's corner toward the back post found the head of Lauren, who put it on net. Pacific goalkeeper Tashia Long, flanked by a pair of defenders, grabbed the ball, but the linesman ruled it had completely crossed the line for the score, ending the match.
It was the third career goal for Lauren, who scored twice as a freshman in 2010, and the ninth career assist for Caitlin, putting her three helpers shy of the all-time top 10 list at Fullerton.
Possession was hard to come by in the first half as both teams struggled to find a rhythm, finishing the first period with three shots apiece. In the second half, each offense began to find holes as sophomore Janali West forced Long to make a save in the first 30 seconds of the period, a sign of things to come.
Pacific had the first two solid chances on back-to-back plays, the first coming with 29 minutes remaining in the match as Kristina Wavomba was lightly marked on the right side, turned to the left, and rocketed a shot off the left post. Seconds later, Nydia Ramos stayed onside on a ball played to her out on the right, forcing a do-or-die charge from Fullerton keeper Lindsey Maricic. The sophomore affected the outcome as much as possible as Ramos' shot trickled wide to the left post by mere inches, keeping the match scoreless.
The Titans, who put three of their four shots on goal in the second half, responded with more pressure with just over 27 minutes to play as West played a ball forward to junior Ann Marie Tangorra, who chested it forward, ran onto the ball, turned, and fired a shot that just cleared the crossbar over the outstretched hands of Long in net.
Freshman Rebecca Wilson also put a shot on goal near the end of regulation that was smothered by Long as Fullerton pushed for the go-ahead goal in the closing moments.
The Tigers finished with an 8-7 shot advantage, but the Titans led, 4-2, in shots on goal and corner kicks for the night. Wavomba finished with a match-high three shots to lead all players for Pacific while seven different Fullerton players finished with shots on the night.
Cal State Fullerton closes out its 2011 season on Sunday afternoon (Oct. 30) at 2 p.m. as the Titans host UC Davis at Titan Stadium. The match will be preceded by "Senior Night" ceremonies honoring departing Titans Caitlin Mellano and undergraduate assistant Jordan-Michelle Santos.
Sunday is also part of the athletic department's "Halloween with the Titans" weekend as all fans wearing their Halloween costumes will receive free admission to Sunday's match.


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LOS ANGELES, Feb. 10 (UPI) -- A new coffee shop called "Dumb Starbucks" opened over the weekend in Los Angeles' Los Feliz neighborhood and gave out free coffee to locals who were smart enough to wait in line.
We're now open for business! Visit us at 1802 Hillhurst Ave in Los Angeles. pic.twitter.com/WnVefrYM9b
— Dumb Starbucks (@dumbstarbucks) February 7, 2014
"We are aware of it and looking into it," a Starbucks spokesperson told the Wall Street Journal.
The restaurant offered patrons drinks like "Dumb Vanilla Blonde Roast," "Dumb Chai Tea Latte," "Dumb Caramel Macchiato," "Dumb Venti," "Dumb Grande," and "Dumb Tall." The store also sold "Dumb" CD compilations at the counter.
Enjoy our full menu of coffees and cold drinks pic.twitter.com/wPacrEEH9k— Dumb Starbucks (@dumbstarbucks) February 8, 2014
The store was so busy during its opening weekend that it had to shut down early even though there were still dozens of people waiting to get a free cup of coffee.
According to a "frequently asked questions" handout that is available at the establishment, the restaurant is using the Starbucks Corp. name and logo "for marketing purposes." The handout claims that what Dumb Starbucks is doing is legal under the "fair use" doctrine.
"Although we are a fully functioning coffee shop, for legal reasons Dumb Starbucks needs to be categorized as a work of parody art. So, in the eyes of the law, our 'coffee shop' is actually an 'art gallery' and the 'coffee' you're buying is considered the art. But that's for our lawyers to worry about. All you need to do is enjoy our delicious coffee!"
Go buy some @dumbstarbucks before dumb lawyers get to it pic.twitter.com/67E2zq0myf— Mark McCune (@MarkMcCune) February 8, 2014
But with the appearance of celebrities over the weekend who tweeted photos of the coffee shop, and a neighbor telling the Los Angeles Times that film crews had been there just a few days before, many are wondering just who the publicity is for.
[Wall Street Journal] [Los Angeles Times]


text: A minister's daughter finds fame as an evangelist but struggles with her own lack of faith in Frank Capra's impassioned drama. Inspired by the true story of Aimee Semple McPherson, the film follows the rise to prominence of Florence Fallon (Barbara Stanwyck). Disillusioned by the mistreatment of her dying father by his church, Florence grows cynical about religion. She nevertheless retains an intimate knowledge of the Bible and natural flair for preaching, talents put to use by promoter Bob Hornsby (Sam Hardy) in a series of phony revival meetings, complete with staged healings and other stunts. Florence plays along, but she soon comes to take her religious mission more seriously, especially after a blind songwriter John Carson (David Manners) claims that her preaching saved his life. Guilt-ridden Florence decides to go straight, but Hornsby sets out to stop her, seeing her new-found morality -- and her budding romance with John -- as a threat to his lucrative business. Foreshadowing many of his better-known classics, Capra addresses issues about the manipulation of the public and the importance of truth while also presenting an unlikely romance. The film's treatment of religion was considered controversial on its initial release; it now seems justifiably complex but far from critical. The film's most notable element is the intense lead performance from Stanwyck, whose combination of fiery charisma and vulnerability is magnetic and convincing, providing Capra's ambitious drama with a gripping emotional core.~ Judd Blaise, All Movie Guide


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| NWA 6694 Eucrite-pmict Meteorites For Sale
NWA 6694 is a Polymict Eucrite which has large clasts of white, gray and black that are made of very fine grain material. Many of the pieces offered here have at least one edge with interesting brown eucrite fusion crust. This is a very visually interesting meteorite with its large clasts breccia structure.
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04 November 2006 08:45
Adam Eason, Hypnosis, NLP and Personal Development. Stop Smoking, Reduce weight - Do You Fancy a Hypnotic Take Away?by 6 others
I can remember when I was very young that when my Mum was doing the weekly shopping and I was either being towed alongside or sat in the trolley, we would fall prey to the shops clever psychology of putting sweets next to the counter. Usually, I would grab a packet of the sweets with the most colourful wrapping. When my Mum took them off me and put them back on the shelf, I wanted them more. I wanted that exact packet even more...
1 (1 marks)


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Schedule Service
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Busy work schedule? Our weekend hours are just for you and every service is available. We are open Saturday 7:30-4:00pm to better serve you.
We offer great monthly service specials to help you save! Here are this months...


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Oct. 5, 2008
By WPI Sports Information
WORCESTER, Mass. - Senior netminder Tom Caldwell turned away four shots en route to his Institute-record 15th career shutout as the MIT men's soccer team edged out WPI, 1-0, in a NEWMAC contest on Saturday evening. With the win, MIT remains unbeaten and is now 10-0-1 overall and 2-0 in conference play while WPI dropped to 5-4 on the year and 0-3 in NEWMAC action.
Jason Zhu knocked home a deflection with just 3:10 left in the game to help lift MIT to the dramatic victory. The match was a tightly contested defensive battle with WPI enjoying a small advantage in shots (10-6) while MIT had a slight edge in corner kicks (4-3).
Zhu's goal, his third of the season, gave MIT its sixth straight victory. The Engineers were ranked ninth in New England in the latest National Soccer Coaches Association of America (NSCAA) regional poll and, along with defending national champion Middlebury College, Salem State College, and Norwich University, are just one of four undefeated teams in the region.


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Suicide Notes Tied to Casper College Slaying
CASPER, Wyo. (AP) — Investigators say they have found two suicide notes written by a man who killed his father in front of a computer science class at a Wyoming community college.
The Associated Press reports court documents indicate an officer found one note in 25-year-old Christopher Krumm's car and a second note at Casper College. The documents don't specify exactly where the second note was found or the contents of either note.
Police say Krumm barged into a classroom at the college Nov. 30 and shot his father, 56-year-old James Krumm, with an arrow in front of a handful of students. As the students fled, the Vernon, Conn., man stabbed his father with a knife, then killed himself.
Before the campus slaying, the younger Krumm stabbed his father's girlfriend, 42-year-old Heidi Arnold, at the home she and James Krumm shared.


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A typical work day for many of us includes 8 hours toiling away in front of a computer screen seated in a cushioned chair shuffling through emails, reports and meeting notes. However, a typical work day for wildlife and conservation photographer Stefano Unterthiner couldn't be more different.
Capturing images of spectacular wildlife across the globe in all weather conditions imaginable is a typical day-in-the-life for Stefano and most recently, Stefano was lugging his camera equipment across various Indonesian islands in 90⁰F steamy heat following the footsteps of the closest thing we have on Earth to real dragons … the Komodo dragon. Photographing this strong, lethal but vulnerable species was the challenge for Stefano while on assignment for National Geographic capturing amazing photographs for Once Upon a Dragon, an article in this month's issue of the magazine focusing on the history and future of these prehistoric-looking reptiles.
In a rare opportunity to get a behind-the-lens glimpse of life as a wildlife & conservation photographer, we worked with National Geographic to interview Stefano about his experience in the field for the article. Before the interview, we invited you, our amazing followers, to ask your questions about wildlife & conservation photography, the behind-the-scenes stories about Stefano's work for the article, and his thoughts on the power of wildlife photography in raising awareness of threatened species. We think you're going to love his answers!
"I was pretty happy when I got the shot."
Mike asked, "Can you tell us a story behind one or more of your images in the article?"
Stefano shared that one of the pictures he particularly liked didn't actually appear in the magazine but it's an image of a Komodo dragon lying in the middle of vegetation just before dusk (it's the twelfth picture on the page). It was very difficult to actually find the dragons, even with the help of the ranger, but also to figure out the right lighting and angles since it was so close to dusk. He said, "from a technical point of view, it was probably the most challenging photograph I ever took since I needed to find the dragon in the right position while it was nearly dark and then also position the light correctly. My wife was actually holding the light over the dragon for me. But after it was done, I was pretty happy when I got the shot".
"I feel in danger all of the time."
Dave asked, "Was there ever a time when you felt like you were in danger?"
Stefano shared that actually,"I feel in danger all the time. You have to otherwise you take too much risk". He went on to say that this assignment was probably one of the most difficult jobs in his life. "You can never forget that the animal is so deadly. In the very beginning, I started working with the animals just learning about them. I started taking photographs with the polecam (a camera attached to a long handle) but you can't really control the composition, focus, light, etc., so I started working with the hand camera always with a ranger behind me." He recalled one occasion when he was photographing a dragon from a tree to get a different perspective. The ranger told him when it was OK for him to jump down. "I didn't realize that when I jumped down, the dragon could feel the vibration on the ground exactly where I jumped. Luckily, I moved a millimeter away from where I landed and the dragon just missed me with its mouth. It was my fault because I wasn't as aware of the animal as I should have been ."
"The local people aren't actually a threat to the species. They have respect for the dragons."
Mattia asked, "How do you think your recent work could help to change the perception of Komodo dragons through local people and policy makers? Do you believe your images could be a useful tool against harmful behavior to this species (invasive tourism, poaching, etc.)?"
Stefano answered that, "for the Komodo dragon, the local people aren't actually a threat to the species. They have a respect for the dragons." In the Once Upon a Dragon article, it was shared that islanders historically would leave some of the spoils from their successful deer hunts out for their reptilian neighbors. Stefano stressed that, "the opportunity to help the species is with the policymakers who can make decisions like creating new habitat space for the dragons on other islands, especially where there are larger deer populations [the dragon's preferred prey]. I hope policymakers will see my images and encourage more support for the dragons."
"I just follow what I love."
Lisa asked, "What first inspired you on the wildlife & conservation photographer path?"
Stefano answered this question simply and poetically by stating it wasn't a single event or even a particular person that inspired him on the wildlife & conservation photographer path. He said, "Nature is my inspiration." The natural world gives him all the motivation to follow his path and what seems to keep him on the path is his desire to help conserve it. He simply stated, "I just follow what I love", fantastic advice for just about any situation in life!
"There is no magic solution; it's a lot of hard work."
Ceres asked, "What do you think is one of the greatest difficulties for someone trying to get into the field of wildlife and conservation photography?"
Stefano shared that in his opinion, the best thing a person with aspirations to become a wildlife & conservation photographer can do is to, "be yourself, take photos from your own perspective, and pick species that are interesting to you. There is no magic solution; it's a lot of hard work. There are lots of photographers out there and the key is to do something new to help you stand out from the pack."
"The hardest shots are the ones I never got."
Kristin asked, "What's the hardest shot you ever took? What made it so hard to get?"
Stefano shared, "Honestly, the hardest shots are the ones I never got." He went on to describe that there are often times images in his head and he tries in vain to capture them in nature but sometimes, it just never works out. "But one picture I am thinking of in my head is when I was on my first assignment for National Geographic to photograph king penguins. It was the last day of shooting and I wanted to capture an image of the penguins and orca in the same shot together. I had hiked 4 miles to the coast and while there, it started pouring down rain. The whales were swimming in the surf and then the king penguins entered the ocean. It was lot of time and work to get to the place where I took the shot but for a few minutes when I finally got [the shot], it was perfect." You can see the penguin and orca image on his website; it's the 15th image on the page.
"If you want to really make a change, you need partners. ARKive and National Geographic are those partners."
I asked Stefano if he had any parting thoughts on his komodo dragon assignment or wildlife & conservation photography in general.
"My idea of conservation photography is that everybody wants to think they are going to help change the world but there's more to it. I'm lucky to work with organizations like ARKive and National Geographic because, if I'm doing my job as a conservation photographer, I need to partner with others to spread the word further. Conservation photography isn't just about the photograph. It is being able to work with people and organizations with the same aim as yourself. I believe this is very important especially for the young people starting out in wildlife & conservation photography. If you want to really make a change, you need partners. ARKive and National Geographic are those partners."
What an incredible note to end the interview! Now that you've heard his stories, take a moment to read the wonderful article, Once Upon a Dragon, in National Geographic magazine on news stands now.
Stefano Unterthiner is an avid supporter and contributor to ARKive and we're very fortunate to be able to share his stunning imagery with students, teachers, conservationists and more around the world. Have a look at our Stefano Unterthiner MyARKive Scrapbook to browse all of his stunning images on ARKive.
Liana Vitali, ARKive Education & Outreach Manager, Wildscreen USA


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DALLAS (AP)—The battered reputation of Josh Howard took another hit this week when an online video surfaced showing the Dallas Mavericks forward disrespecting the national anthem.
In a video posted on YouTube, Howard is shown on a football field at a charity flag football game. As the national anthem plays in the background, Howard approaches a camera and says: "'The Star Spangled Banner' is going on right now. I don't even celebrate that (expletive). I'm black."
Howard's agent, Jeff Schwartz, did not immediately return a phone call seeking comment. Donnie Nelson, the Mavericks' president of basketball operations, directed questions to team owner Mark Cuban, who in an e-mail declined to comment.
The incident is the latest off-court problem for Howard, a fifth-year pro from Wake Forest who averaged 19.9 points and seven rebounds last season. He was arrested in July when police said he was drag racing at 94 mph in a 55 zone. A court appearance was scheduled for next week.
Howard was criticized last season for saying in a radio interview during a first-round playoff series against New Orleans that he occasionally smokes marijuana. Later that same series, he angered coach Avery Johnson by throwing himself a birthday bash after a Game 4 loss to the Hornets.
Hey Josh, how about showing a small piece of respect to a country that allows you to earn millions of dollars regardless of your color!!! You obviously have not been held back due to your lack of intelligence or ability to act like a valuable member of society.


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Brad Pitt: World War Z! Z Z Z Zombie!
Brad Pitt has signed on to fight the zombie apocalypse film World War Z, out summer 2012!
MTV reports the film is an adaptation of Max Brooks' novel and Brad's Plan B production company is attached to the project as well.
"I'm glad they took their time, and are trying to make the best zombie movie they can," said Brooks. "I'm so glad they stayed with the project and so glad they found the right team."
At the held is Marc Forster, who directed Daniel Craig in Quantum of Solace and is currently directing Gerard Butler in Machine Gun Preacher.
FYI: Brad and Angelina Jolie just won the lawsuit against UK's News of the World, which claimed in January the couple visited a divorce attorney and negotiated an agreement to split.


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Worksite Support
The Missouri "Breastfeeding Friendly Worksite Program" is a collaboration between the Missouri Department of Health and Senior Services and the Missouri Breastfeeding Coalition to educate employers on the value of providing lactation support in the workplace and to recognize businesses that support their breastfeeding employees.
Employer support of breastfeeding provides many benefits to businesses:
- Cost savings of $3 per $1 invested in nursing support
- Reduced absenteeism to care for sick children because breastfed infants have less illness
- Lower health care costs
- Improved employee productivity with higher morale and greater employee loyalty
- Increased ability to attract and retain valuable employees
- Family-friendly image in the community
Women who return to work while continuing to breastfeed need the support of their employers. Their needs are simple: a safe, private and comfortable location at the worksite and the opportunity to pump two or three times during the work day. The Missouri "Breastfeeding Friendly Worksite Program" is available to help businesses in becoming a nursing friendly workplace by:
- Identifying and setting up a suitable private room
- Scheduling appropriate breaks for nursing employees
- Reviewing written polices
The "Breastfeeding Friendly Worksite Award" evaluates employers on criteria for three levels of support: Gold, Silver, and Bronze. Businesses that meet one of the three levels will be recognized in their community and statewide. To view the criteria or to apply for the award complete the application and submit it to the email address on the form. Please click here for a list of businesses that have been recognized as a "Breastfeeding Friendly Worksite".
Missouri Resources
"Breastfeeding Friendly Worksite Program" posters* (childcare, factory, healthcare, office, retail, restaurant and school), brochure* and door knob hanger are available to order at no cost through the DHSS warehouse. To order complete the request for literature form and fax to 573-751-1574. The Outreach Partner Toolkit, Lactation Support Survey, Breast Pumps for Employees, PowerPoint Presentation* and Sample Elevator Pitch, Press Release and Worksite Policy are also available for download.
*Created by the Kansas Breastfeeding Coalition. Used with permission.
Federal Law
Effective March 23, 2010 the Patient Protection and Affordable Care Act amended Section 7 of the Labor Standards Act to require employers to provide reasonable break time for an employee to express breast milk for her nursing child. Employers are also required to provide a place, other than a bathroom, that is shielded from view and free from intrusion from coworkers and the public, which may be used by an employee to express breast milk.
The Wage and Hour Fact Sheet #73 "Break Time for Nursing Mothers under the FLSA" and the Frequently Asked Questions (FAQs) on the Department of Labor website provide basic information about the law.
Other ResourcesColorado Breastfeeding Coalition YouTube video - Employer perspective on accommodating breastfeeding.


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- Delivery
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- We want you to be confident about every order you place with us, so we keep our returns policy simple – if you're not happy with your purchase, we'll take it back*. Just call our friendly Customer Care Team on 0344 879 4166 and they'll arrange everything. We're always here to help.
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Joseph Bentley Stainless Steel Graduate Spade
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The Joseph Bentley Range has traditional styling and quality - with attractive designs that have stood the test of time. Inspired by the look, feel and quality of traditional Joseph Bentley tools from the past, this eye-catching range is a marriage of heritage materials such as solid Ash & Oak handles and innovative modern design features such as the new comfort tread edge on the spades.
The Joseph Bentley Graduate Spade is carefully finished solid ash wooden handle. Polished stainless steel head with tread edge. YD handle with rebate. Used for general cultivation, turning and aerating the soil and breaking up earth. Smaller and lighter than the standard border variety and ideal for tighter spaces.
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Lakewood hoping good attitudes, practice leads to success in 2013
The Lakewood girls soccer team will have a great deal of experience in 2013 as they look to improve on last season's 8-18-1 season.
Brooke VanValkenburg, Shannon Morse, Isabel Salgado and Megan Cronk will be the senior leaders on the squad while juniors Devin Ayers and Madi Neustifer, and sophomores Emily Taylor, Danielle Kosten and Alli Fetterman will also bring varsity knowledge to the roster.
Viking coach Paul Gonzales said with the returning players and the new faces they have this year, he is optimistic about the potential of his team this spring.
"The girls good attitudes will be a strong point of the team this year," he said. "The returning nine players should give us a good foundation to build around.
"Our returning players need to take what they learned last year and build on it. We lost a few key players to graduation, so we will need them to believe that they can take the next step."
Along with the nine veterans in the group, the Vikings roster will consist of key first-year players Brooke Tacey, Leah Willett, Jennifer Briggs, Courtney Sandborn, Kaylee Tava, Alexis Johnson and Mallory Durham.
Gonzales said if his players practice hard and keep a positive attitude, that the team goals for the season will be obtainable.
"Our goals will be to work hard, have fun and give our all at all practices and in games," he said. "This will in turn take care of our team goals for the year. The key will be improving each game and getting the new girls to gel with the rest of the team."
Coming off a 3-5 record in the Capital Area Activities Conference White division, Gonzales considers every team top competition in the league.
Lakewood was supposed to open the season on Wednesday night in Olivet, but the game was canceled due to inclement weather.
The Vikings are scheduled to begin the 2013 campaign on Monday at Belding.


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Paranormal Investigation of Foxridge Park
Foxridge Park in Henderson, Nevada is allegedly haunted by a little boy who was killed by a drunk driver. The boy apparently likes to play on the swing late at night. According to some reports he likes to swing alone, and if you look him in the eyes, he will turn into a "demon" and… Read On
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