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Hedge Funds; Ford Motor Company; Women and Earnings
Aired June 4, 2005 - 13:00 ET
FREDRICKA WHITFIELD, CNN ANCHOR, IN THE MONEY: Hello again. I'm Fredricka Whitfield. "Now in the News." The mother of a missing Alabama student is in Aruba to help in the search for her child. No one has seen Natalee Holloway since early Monday morning when she left a club with three men. Holloway was on the Caribbean Island to celebrate her graduation. Police, volunteers and FBI agents have been looking for her now for many days. A military report shows some U.S. personnel mishandled copies of the Koran at the Guantanamo Bay detention center. The White House calls the episodes isolated. The report also concludes that Muslim inmates at Gitmo were responsible for attempts to flush the holy book down a toilet. Hundreds of people turned out for the funeral procession for a Lebanese journalist in Beirut. Anti-Syrian journalist Samir Kassir was killed Thursday when a bomb exploded in his car. Lebanon's Pro-Syrian president has condemned the killing, but the opposition in Lebanon blames Syria and its local allies for the blast. It was a quiet Saturday in Beijing's Tiananmen Square today. Dissidents had been warned against trying to mark the 16th anniversary of the deadly crackdown on protests in the square. A vigil was held in Hong Kong, the only observation of the violence on Chinese soil. I'm Fredricka Whitfield at the CNN Center in Atlanta. More news at the bottom of the hour. IN THE MONEY begins right now. ANNOUNCER: From New York City America's financial capital this is IN THE MONEY. JACK CAFFERTY, CNN ANCHOR, IN THE MONEY: Welcome to the program. I'm Jack Cafferty. Coming up on today's edition of IN THE MONEY, Saddam on the docket. The new Iraqi government says it will put the former dictator on trial within two months. We will look at how the case could affect Iraq and for that matter the entire Arab world. Plus, hedge fund traders are more active than ever. They have an impact on everything from the price of gasoline to artwork. We'll find out if you have anything to fear from Wall Street's latest masters of the universe. And when does it ever end? More and more 20-somethingings are graduating from college and moving back home and staying there, indefinitely. We'll examine this trend. Find out why it's growing. Joining me today, a couple of IN THE MONEY veterans, CNN correspondent Susan Lisovicz, "Fortune" magazine Editor-at-large Andy Serwer. I'm not sure how much the world at large cares, but the news media was fixated on the revelation of Deep Throat this week. And the person was alternately praised and vilified -- praised as a patriot who saw the wrongdoing at the highest levels of government and did his civic duty; vilified as being a bitter government employee who used his bitterness over not being promoted to the top job at the FBI to get out the long knives for the commander in chief. ANDY SERWER, CNN ANCHOR, IN THE MONEY: Well, you know I remember I grew up then in the Maryland in the Washington, D.C. area. I watched this take place in high school. People forget that journalism was a backwater at that time. No one wanted to get in that business and this made it very romantic. I mean Deep Throat was a movie character in "All the President's Men." so it's a profound part of history. But it really is true that when you think about it, where do you come out on this guy? SUSAN LISOVICZ, CNN ANCHOR, IN THE MONEY: I -- well, I think if you're a journalist, we understand that the importance of sources. But I think one of the other interesting -- one of the many, interesting things about it is how we feel about it. We all lived through it, right? We can remember the president of the United States resigning. I was at the New York Stock Exchange when it first crossed, that Deep Throat was unveiled. And I was working with someone who was 26 years old. For him, it's an historical footnote. For us, people of a certain age, it was really something that brings forth I think an emotional response. Those were really tumultuous times. CAFFERTY: The other little interesting footnote, perhaps not so interesting, is Woodward, Bernstein and Bradlee romanticized this guy. If they had simply said based on a high-ranking source of the United States Justice Department, nobody would have thought anything about it and 30 years later would have been long forgotten. SERWER: It was the highlight of the movie. The garage, sort of this -- LISOVICZ: Hal Holbrooke. SERWER: This mythical figure. They romanticized. LISOVICZ: But people could keep a secret in Washington and people could keep their word. That's something that's note worthy. CAFFERTY: That was a different era. All right, the Iraqi government now says it plans to put Saddam Hussein on trial within the next two months. Even if they manage to pull it off, and it is a tall order at that, there's still a lot of questions about how the trial will be conducted and where and how the Iraqi's and other Arabs will react to it if it happens, and whether anyone outside the courtroom will be able to see it, as in cameras in the court. Joining us now with some thoughts about all of these things is a man who has a stake in the outcome of the case: former U.S. Ambassador to Saudi Arabia Richard Murphy, who knows well all of the issues that provide the background for this. Mr. Ambassador, welcome to IN THE MONEY. It's nice to have you here. RICHARD MURPHY, FORMER U.S. AMBASSADOR TO SAUDI ARABIA: Thank you. CAFFERTY: With all that is going on in Iraq right now -- the violence, the insurgency, the lack of constitution, the struggling new government -- why is the trial suddenly a front-burner item over there, do you think? MURPHY: I think in the short term, if they stage this, beginning in the next two months it will be a display of control over not just their court system, but over public opinion, by the new Iraqi government. It would be a prestigious thing for them to be putting the former president on trial under their control. LISOVICZ: OK, prestigious aside though, you think about the demands of this trial, which would require enormous security, a lot of resources that Iraq doesn't have. Iraq's resources are being blown up every day. I'm talking about the men who are their police officers and trying to put some sort of security in this fledgling democracy. So is the timing really appropriate? MURPHY: Well, you're right. It's going to be an enormous diversion of resources to manage this trial. Recall, though, there's been at least a year of prep done, hand-in-hand with the Americans and the international coalition, to get the judges and trial lawyers in position and briefed on how such trials should proceed. So there's been a lot of preparation. And it is a diversion of resources in a sense, in that the insurgency is still going at a fierce level, and the government has not proven itself yet that it can manage the overall affairs. But I think that's why they want to do it, to show they are in control. SERWER: I don't know about you, Mr. Ambassador, but I see this as being potentially very problematic. We saw Saddam; I guess it was some sort of pretrial hearing. He held his own. Is he going to be talking? You think about the outcome. If he's executed, he's a martyr. If he's imprisoned, he's still around. Aren't there so many problems with this, going forward? MURPHY: All of the above. But letting him stay in limbo just as a prisoner with the case unstated against him is even worse. CAFFERTY: How are they, in your mind, going to hold a trial like this? Will there be cameras, for example, in the courtroom? Will it be held in Iraq? Will they move it out of the country? How do you see the logistics of some of those kinds of issues? MURPHY: Unquestionably it will be held in Iraq. And the stress will be on, this is an Iraqi trial according to Iraqi procedures. Perhaps the Americans have done a lot of preparation, but they're not going to be visible. And I think that they're going to have to -- the Iraqis, that is, are going to have to strike a balance between something you might call a star chamber proceedings where it's totally in secret, and an open trial with cameras there for every session, as has been the case in the coverage of the Milosevic trial in The Hague. Nobody wants to see this going on for two years with the defendant spouting off and justifying his every action and blaming everybody else for what went wrong in Iraq. LISOVICZ: How real are the risks of this totally backfiring? In other words, if it's going to be as transparent as possible, Saddam Hussein is going to speak. And people who usually assume, wield a great deal of power, are often articulate, are very charismatic, and he could possibly muster up Sunnis and other insurgents who are still loyal to him. MURPHY: I don't think any but the ultra loyalists want to see him back in power. The memories are still very bitter. We tend to forget that as we follow the day-to-day coverage on the miserable experiences, that the present government is having maintaining law and order. There is nostalgia in the sense that he did represent stability of a sort, he represented security of a sort that the new government has yet to demonstrate. There's a wider circle than just the ultra loyalists that will be moved and attracted by his appearance at the trial. He's holding his own. He will hold his own in many ways. He is an articulate, charismatic figure. SERWER: What about the point that Saddam made again in that hearing where he pointed at the prosecutors and said, "Who are you? By what rule of law do you judge me?" Because the rule of law in Iraq has not been fully established, doesn't he have a point in a way? MURPHY: Well, he will surely make that point again, that "I am above the law." And this will be a short-term gain for the government and long term as well, if they can establish that no one is above the rule of law and he who had corrupted and perverted the Iraqi legal system in his years in power is now not in power and the system is breathing and living, once again. CAFFERTY: I got 20 seconds. How's this thing going to play in the rest of the Arab world if it happens? MURPHY: I think it will play as a reminder that no leader is above the law. And if it works successfully it won't be smooth. But if it goes through to judgment and the government has stated its case clearly and powerfully, I think it will have a profound effect on Arab world opinion, and a positive effect. CAFFERTY: Richard Murphy, former U.S. assistant secretary of State, former U.S. ambassador to Saudi Arabia, thank you for your time and your comments on IN THE MONEY. MURPHY: Thank you. CAFFERTY: Nice to have you here. When we come back, who are these guys? Wall Street's best dealmakers are leaving the brokerage firms for the greener pasture of the hedge fund industry. Find out what it means for you. And graduating to the pullout couch. Thousands of 20-somethings go from college graduation to a seemingly directionless lifestyle at their parent's home. Find out why so many of them are right back at mom and dad's place. And we'll take a stab at why so many women are at a disadvantage when it comes to striking it rich. Stay with us. (COMMERCIAL BREAK) SERWER: Wall Street has a retro '80s look these days with buyouts and takeovers back in vogue. But the deals aren't the work of junk bond kings and CEOs. They're being made by hedge funds and buyout funds who are changing the way Wall Street works. The trend is the subject of a cover story in this weeks "Fortune" magazine written by yours truly. And here to talk more about that is Howard Kapiloff the managing editor of "Hedge Fund Alert" who is a source in that story. Howard, welcome to the program. HOWARD KAPILOFF, HEDGE FUND ALERT: Thanks. SERWER: I'm interested to know, is this something ordinary investors really have to fear, this trend of hedge funds trumpeting all over the place, and making big waves? KAPILOFF: No, I think the hedge fund industry -- hedge funds tend to be the whipping boys of Wall Street these days. You know, they fly under the radar screen, so to speak. They are loosely regulated. The truth of the matter is, hedge funds, although there's been an explosive growth of hedge funds over the last four or five years, they're managing some trillion dollars of investments. They're -- they really -- actually, make up a small portion in terms of assets, of the entire investor community. LISOVICZ: Yes, but Howard that may well be, but I'm just going to say three words -- Long Term Capital. Remember that? Where, you know, the payout to by -- I guess it was by CSFB, was $1.5 billion, after Russia defaulted. It may be a small pool of people who are wealthy enough to invest, but the ramifications can be widespread. We just saw a few weeks ago, there were these rumors about hedge fund, there might be a hedge fund collapse, and the stock market here was just quaking for about a week, something linked to GM's being downgraded to junk status. And it really had a widespread effect. KAPILOFF: Well, Long Term Capital was a situation in which you had phenomenal amount of leverage that they were using. They were buying -- they were borrowing I think as much as $30 or $40 for the -- for a single dollar that they were investing. Today, leverage in the aggregate is -- that's a great deal of amount of leverage in the aggregate in the hedge fund world because there are many more hedge funds than there were. But leverage for each individual manager, you know, I think is at levels of, at the most maybe one or two times their equity capital. So I think those same dangers that happened with Long Term Capital are not quite -- I don't think the extent of that danger really exists. It's true, though, that hedge fund performance has been disappointing. And I think a large reason for that is there are 8,000 hedge funds and there does need to be somewhat of a shakeout. The industry has seen a deluge of money pouring into it. And -- which has attracted a lot of great money managers. But at the same time, it's attracted a lot of mediocre, perhaps not great money managers. CAFFERTY: Shouldn't there be more regulation of these things? Eight thousand hedge funds. You can bet they're not all going to return 20 percent annually to the people who invest in them. And as Susan alluded to, when there's a rumor of problems with big hedge funds, the vibrations go right through the bond and stock markets. Shouldn't there be some more transparency concerning what they do and perhaps some regulation, some oversight of some kind? KAPILOFF: Yes. I mean -- well, first off, there are going to be more regulations that will come into effect in February of next year. Hedge fund managers are going to be required to register with the SEC. It remains to be seen exactly what -- what that's going mean and how effective that will be. I don't really know how -- how exactly you can regulate what hedge funds do from a -- you know, from the government standpoint. There are professional investors who are pressuring hedge funds to open up what they call separate accounts, which is -- which means that the -- the professional investors can monitor a little bit more closely what the hedge fund manager is investing in, whether he's veering from his strategy, whether he's taking on risks he promised he wouldn't. SERWER: Let me jump in, Howard, ask you about some of those investors in just the few minutes we got, few seconds we got left here. That is, a lot of universities for instance are investing in these hedge funds and some have ties to the hedge funds, people on the university board. Couldn't that be a big scandal at some point? KAPILOFF: Well, I think it's already been a scandal at Harvard University, where their -- the managers of their endowments were forced out because of the compensation they were making. But at the same time, net of their compensation, these endowments have been -- have made phenomenal amounts of money by investing in hedge fund managers. SERWER: All right, we're going to have to leave it at that. Howard Kapiloff the managing editor of "Hedge Fund Alert," thank you for coming on the program. KAPILOFF: Thank you. SERWER: Coming up after the break, there's still no end in sight for the Google juggernaut. We'll see if it's too late to use the search engine to find investment gold. Plus, its "Reality Bites" meets "The Never-Ending Story." Why more and more 20-somethings are taking the slow road to a career and spending more time just hanging out with mom and dad. And why women still struggle in the boardroom. Our guest says parents are to blame. Oh, come on. Stay tuned for some tips on raising successful daughters. (COMMERCIAL BREAK) LISOVICZ: Now, let's take a look at the week's top stories in our "Money Minute." The U.S. economy added 78,000 new jobs in May. That was less than half the number Wall Street was expecting. The unemployment rate fell to 5.1 percent. The slower job growth may be a major shot in the arm for those who say the Fed should stop raising interest rates. President Bush has nominated Congressman Christopher Cox to replace outgoing SEC Chief William Donaldson. Many corporate leaders saw Donaldson's period at the helm as too restrictive and Cox could change that tone if he's confirmed. The taxman is knocking on the operating room door. A number of states are considering taxing cosmetic surgery like facelifts, tummy tucks, and Botox injections. New Jersey passed the first cosmetic surgery tax law last summer, and now Texas, Illinois, Washington and New York are all considering similar bills. In most cases, the revenue from the so-called bo-taxes is intended to pay for health care for poor children. SERWER: Just when you thought the buzz around Google couldn't get any hotter, it did. This week, Credit Suisse First Boston raised its 12-month price target for Google to $350 a share. Since it started trading late last summer, Google has been a juggernaut. People who bought Google at its IPO price of 85 bucks a share have already more than tripled their money. I think that's enough to make Google our "Stock of the Week." I meant the thing has been on fire. We wrote a story about it in "Fortune" in December, saying is Google overvalued at $165 a share? Now it's getting near $300. This company really continues to amaze businesspeople. It's not just a search engine anymore, you can do photographs, you can do e-mail, you can documents. You can use it on a Treo, a Blackberry. You don't need to use it on a PC. So guess who sees it as a real threat. Microsoft. CAFFERTY: Sure. SERWER: It takes a lot to scare Microsoft. But that's how important this company's becoming. LISOVICZ: But you touched on the proper word. Microsoft and big giants like Time Warner, everybody wants to get a little piece of the action. One of the smaller competitors said, look, everybody likes Coke, but if that's all you had to drink, that's not so good. So there are competitors coming out there. It's fantastic for somebody who got in early. That is a lofty price for a stock. CAFFERTY: Or is it? I mean, the price target of $350 in the next 12 months, it's outstripped that growth rate since the IPO came out. The question is do you buy the stock now at, what is it, $285, or something? SERWER: Yes. CAFFERTY: How much can it continue to grow? It's forward earnings, it's -- you know. SERWER: Well it has a price earnings multiple of 112. It's hard to justify buying it. I said that at $200 and I was way wrong. You look at this company. It has revenues of about $3 billion, $4 billion, but the same valuation is Time Warner, our parent company, which has revenues of $80 billion. CAFFERTY: How much is our stock? SERWER: Our stock is -- well, we know where it is. $7. LISOVICZ: It's a lot less. SERWER: It's much more profitable than Time Warner. It also interestingly enough has a lot more cash per share than Time Warner, which is something you think of a more established company having. Obviously, it is growing much faster than this company. Amazing. LISOVICZ: One-year net income growth just under 300 percent. One-year sales growth, over 100 percent. CAFFERTY: So all of sudden 112 multiple makes sense if you look at those kinds of numbers, if they can continue to do that. The old problem is the bigger your numbers get, the tougher the increases become. SERWER: That's right. The other interesting point, I think is that Microsoft is really working on its search engine because it's got to keep up with this baby. They have an office in Redmond, Washington, just down the road from Microsoft, which is making them none too happy over there in Mr. Gates' land. CAFFERTY: I bet. SERWER: So next stop, 300 bucks. We'll have to see about that one. Coming up on IN THE MONEY, out of college and on to the couch. Find out why more and more 20-somethings are rejecting traditional jobs and delaying adulthood. Also ahead, is green your color? We will look at the difference between men and women when it comes to money matters. And summer weddings season is here. Stay tuned for a wedding-day blooper on our "Fund Site of the Week." (COMMERCIAL BREAK) WHITFIELD: Hello. I'm Fredricka Whitfield at the CNN Center in Atlanta. Now in the news, Pope John Paul II's close friend and secretary says he did not destroy the former pontiff's personal papers as instructed by his will. The archbishop told Polish Radio the documents are filed with -- or filled, rather, with riches and should be preserved. A military report shows several U.S. personnel mishandled copies of the Koran at the Guantanamo Bay Detention Center. The White House calls those episodes isolated. The report also found that Muslim inmates at Gitmo were responsible for attempts to flush the holy book down a toilet. Two Iraqi police officers were wounded by a suicide car bombing in Baghdad. Mean while Iraqi and U.S. soldiers are keeping up the pressure on the suspected insurgent south of the capital, which the military believes is a staging area for daily attacks. The aunt of missing teen Natalee Holloway says authorities in Aruba are questioning three people of interest in the girl's disappearance. Marsha Twitty spoke with reporters about an hour ago. Holloway was last seen leaving an Aruba nightclub Monday morning. The family now has posted a $50,000 reward for any information leading to her whereabouts. And hundreds of mourners turned out in Beirut today for the funeral of an anti-Syrian journalist Samir Kassir. Kassir was killed by a car bomb earlier this week. FBI agents are assisting in the investigation. Lebanon's opposition blames Syria and its agents for the killing. It is calling for major demonstrations on Monday. And I'll have the latest news at the top of the hour. Now back to more of IN THE MONEY. CAFFERTY: If you're one of the thousands or perhaps millions of American parents with an 18-year-old to 25-year-old child who is still without a real career -- or, for that matter, a permanent address besides yours -- you're not alone. In fact, according to one estimate, 20 percent of the 26-year-olds in this country live with their parents. Don't push the panic button or ask for a refund on the college tuition just yet though. Joining us now with his take on this extended adolescence, a growing phenomenon in this country is Jeffrey Arnett, a psychologist at the University of Maryland, author of "Emerging Adulthood, the Winding Road from Late Teens through 20s." Mr. Arnett, welcome. That's a road that seems to be getting longer. What's behind this, and why do you suggest that maybe it's not such a bad thing? JEFFREY ARNETT, UNIVERSITY OF MARYLAND: Well, people get married later than they used to. They have their first child later than they used to. They stay in education longer. And I think there's been a change in how people view adulthood. They're not as eager to get there as they used to be. They realize adulthood comes with a lot of responsibilities. They're not that eager to take on. They want to have fun while they're young basically. They want to enjoy their youth. They want to enjoy the freedom of being unfettered during their early to mid-20s. LISOVICZ: You know, Jeffrey, the changes are really profound, from generation to generation. My dad grew up during the Depression. He served in the war, navigating bombing missions in the South Pacific. Went to college on the GI Bill. Immediately bought a house, which he still lives in. I mean people grew up right away, in that generation. Is it because of that change, the fact we weren't at war? Is it the economy? What is behind this? ARNETT: I think your dad is a good example of that generational change. I think the generation that grew up amid the upheaval of the Great Depression and World War II, they were eager to enter adulthood. The stability of it was attractive to them. Today's young people have grown up in an affluent and relatively stable time, so the stability of adulthood is not as attractive to them. They want to have their fun first. They do -- almost all of them want to marry and have kids and settle down eventually. They figure, what's the hurry? They can do that when they're 28 or 30 and they don't see any reason to rush to get there. SERWER: But Jeffrey, come on. How much of this is financial? You hear about young people getting out of college, they try to move to New York, and an apartment's $3,000 a month. Who can afford to go out in the work place and get a place to live? Isn't that really the issue here? ARNETT: Well, it's partly the issue, but it's not the only issue. Yes, it's true that sometimes they're financially stretched, especially when they first get out of college. A lot of them have a lot of student loans that have gone to college because college is more expensive than it used to be. But it's more than that. A lot of it is they don't want to get just any job. They want to find a job that's really an expression of their identity, an expression of themselves. That's a lot of -- a lot to ask out of work. It takes longer to find that kind of job than just to find any job. CAFFERTY: What about the dynamic from within the family? Let's look at this from the parent's point of view, since I'm the parent of four of these delightful little offsprings myself. There's a tendency to say, OK, look, we had you, we raised you, we educated you, we clothed you, we fed you, we housed you, we took care of -- SERWER: Paid for you. CAFFERTY: You now have a college degree and have reached the age of adulthood. It's time for you to go do all this stuff on your own and let your parents have a little breather here. ARNETT: Well that is a common lament among parents, because they think when they were that age, when their own parents were that age, and they know that times have changed. They sometimes have expectations that their children will be more self-sufficient than they actually are. So it does sometimes come as an unpleasant surprise to them. But mostly they're surprisingly tolerant of it. As long as their kids have a plan and are working on some way to make their way into adulthood and get out of the house and be financially stable and self-sufficient, the parents are pretty tolerant of it over a short- term period, maybe a year two years at the most. LISOVICZ: Yes working on the plan. That's what we'll call it working on the plan. ARNETT: There's got to be a plan. LISOVICZ: I was working on the plan for a year living with my parents after college -- I hate to disappoint you, Jack and Andy -- and my parents were very tolerant. But on a larger level is this really a good thing? Because from what I understand, this is not just a phenomenon in the United States. It's happening in all industrialized nations, this sort of "Peter Pan" syndrome if you will. People are really delaying responsibilities. ARNETT: Well, I think it's a good thing in a way. I mean if you figure somebody's likely to find a job they like and can really enjoy and be committed to if they take the time to find that job, to find something they really like, that's a good thing. And the fact is it's not really a "Peter Pan" syndrome because they don't want to remain perpetual adolescents. They don't want to stay in childhood forever. They don't want to rush into it. They want to take their time. Virtually all of them will be out of the house and married and on their way to having a kid and financially self-sufficient by the time they're 30. So it doesn't last forever. LISOVICZ: It doesn't last forever. That's -- CAFFERTY: It just seems like it. LISOVICZ: I was waiting for Jack to step in there. Jeffrey Arnett, author of "Emerging Adulthood." It's emerging, Jack. CAFFERTY: That's right. LISOVICZ: "The Winding Road from Late Teens to the 20s." Thank you for joining us. Lots more to come here on IN THE MONEY. In baseball, nice guys finish last and in real life nice girls don't get rich, at least according to our guest. Find out why. Also a wedding video out take, our "Fund Site of the Week" features a bite-sized blooper. Ah, the wedding cake. Don't go away. (COMMERCIAL BREAK) LISOVICZ: If your goal in life is to make piles of money, odds are better you'll get there if you're a man instead of a woman. But our next guest is out to change those odds. Right on. Lois Frankel is the author of "Nice Girls Don't Get Rich: 75 Avoidable Mistakes Women Make with Money." Welcome to the program. LOIS FRANKEL, AUTHOR: Thank you. LISOVICZ: You know, Lois, I have a problem with the very question. You know, women make up half of the workforce. We're going for advanced degrees more so than men. We're starting our own businesses more rapidly than men. I mean are these mistakes that just women are making? FRANKEL: Well, I think women make different mistakes than men. And I think we make them because we're not grown up -- we're not raised to think that wealth is going to be important when we're grown up. We're given very different messages than little boys. Little girls hear messages like, oh, it's just as good to do well than to do good. And, you know, what we really want you to do here is think about your college education. You don't necessarily need to have as good a college education because your income's only going to be the second one. Messages like this -- or it's just as easy to marry a rich man as a poor man -- little boys don't hear those messages. As a result, when girls grow up, they're not focused on wealth. SERWER: All right Lois, I want to ask you about some of the things that young women should do. First, I want to tell you, that I found -- my wife had this book "How to Hide Money from your Husband." So this trend may be already going too far. But let's get back to some of your tips. What do you suggest that young women should be doing for themselves? FRANKEL: Some of the things that I tell them is first of all, I don't think you should be hiding money from anyone, but I do think you need to have money in your own name. So whether you're in a relationship where it's a live-in relationship, or whether you're married, you need to make sure you have some money in an account in your own name. Second of all, get into your first house early. Women tend to wait to buy their first home because they have this vision of prince charming carrying them over the threshold. That's a mistake. You need to get into your first house as early as you can. Next, make sure you join your company's 401(k) plan. A lot of times women will wait because they'll think to themselves, oh, I might not be here that long or it's just not that important or I'm going to get married anyway, and they miss out on that free money you can get from your employer when they match what you put in. CAFFERTY: But when a young woman gets a job and enrolls in the company's 401(k) plan, we're not talking about the kind of money that will make them rich. The book talks about why women don't get rich. What do they have to do to get Trump money? FRANKEL: What they have to do, first of all is they have a goal. There's not a woman on the face of the Earth that doesn't know what she wants the scale to say when she steps on it. CAFFERTY: That's a good point. FRANKEL: Yes, but women don't know what they want their bank account to say. What your vision is is what you get. First of all, you need to say to yourself, how much money do I need to lead a rich life? And my definition of rich is having all the money you need to live your life the way you want, free from concerns about money. So you need to factor that in. It's not exactly a dollar figure. It's different for everyone. So you need to have a vision, first of all. Second of all, you need to be willing to take a look at your spending and come up with a budget. Now, again, budgets are similar for women as diets are. They think it's got to deprive me. No, I tell women all the time that a budget is designed to show you how much you have left over to spend. Once you've paid all your bills and you've paid yourself first, which is really your savings, what's left over is yours. These are things that women aren't doing. Most importantly, women don't think rich. They think as if having a lot of money makes them somehow less than a woman. And they've got to get over that idea. I'm not a financial planner. I'm a psychologist. I help women understand how they think about money. LISOVICZ: A lot of this -- Lois, a lot of stuff you say is pretty obvious. It's Investing 101, saving for your future. Some of the interesting differences where you draw the line between male and female behavior comes with haggling or negotiation, and that is something that's very important when you're talking about your salary, your benefits, and you do see a difference in how professional men and women behave. FRANKEL: Oh, absolutely. Women aren't willing to negotiate. They see negotiations as confrontations and it makes them uncomfortable. It's one of the reasons why they don't go in and negotiate for the best salary they can possibly get because they're afraid they're going to damage a relationship. A guy goes into the same negotiation and says to himself, I'm entitled to this, this is what the job pays in the market or this is what the next guy's getting. So I'm entitled to it. Now, the woman thinks, number one I don't want to damage the relationship, and number two if I haven't proved that I earned it yet, that I might not deserve it. So women really need to learn these techniques of negotiation. They are very uncomfortable negotiating. SERWER: Lois you know that book I was talking about, "How to Hide Money from your Husband." You didn't write that, did you? FRANKEL: Absolutely not. SERWER: Just checking. Hasn't the thing started to change already? Aren't women rapidly making these types of moves? I mean, I meet dozens, hundreds of women executives every year who are moving on and making a lot of money, it seems to me. FRANKEL: You know, they still don't have the same degree of wealth as men do. And one of the reasons is because 80 percent of the discretionary spending in this country is done by women. Men might buy a big-ticket item like a Porsche or big screen TV. But women are whittling their money away daily on things like pillows, candles, things for the home, gifts for their friends. Men don't go out and buy gifts for their friends. They may have dinner together or take them out for a golf game. But women spend their money very differently, and until they take a look at those behaviors -- in fact all the behaviors I talk about in the book -- you know what? They are not going to reach parity with men. LISOVICZ: OK, so don't spend money on pillows, but do spend money on "Nice Girls Don't Get Rich" and also "How to Hide Money from your Husband" two important books on gaining wealth. Lois Frankel thanks so much for joining us. FRANKEL: Thank you. LISOVICZ: Coming up, Money.com's Allen Wastler's goes "Inside Out" on Ford. The carmaker has hit more than a few potholes lately, but the ride should get smoother further up the road. And put our producers to the test with your email insight. Drop us a line, the address, email@example.com. But first this week's "Money & Family." Can't bear to leave your beloved pet home this summer while you're on vacation? You might want to take Bowzer or Fido along for the ride. But before you pack up the car with dog treats and catnip, here's a quick to-do list. Visit the vet before you leave. A quick appointment can help you determine whether your pet is in good enough health to travel. You may also need paperwork proving he or she has been vaccinated if you're traveling outside the U.S. Strap everybody in for the ride. You might want to consider a crate that's large enough for your pet to stand, turn around and lie down. Remember, some states require pets to be restrained while in a moving vehicle. Call ahead to hotels and motels. Finding pet-friendly lodging can be a challenge. And you may be charged an additional fee on top of the room rates. For more information, check out Takeyourpet.com. And finally talk with the people you are traveling with or visiting. Some people are highly allergic to pet fur and dander. An allergy attack can ruin everyone's trip. Good luck and happy traveling. I'm Susan Lisovicz for "Money & Family." (COMMERCIAL BREAK) CAFFERTY: Ford was out with some weaker sales numbers this week, just as a Christian group announced plans to boycott the automaker. So it was a bad week for Ford, right? Well, not so fast. Allen Wastler and the "Inside Out" segment of our program says what you see here may not be what you get. ALLEN WASTLER, MONEY.COM: You know, boycotts are funny things. You do it to people to like "we're going to teach you a lesson." But in this case, it might work to Ford's advantage. I got three reasons I'm thinking that. One, publicity. Look, here we are, talking about Ford. They didn't buy commercial time. Ford, Ford, Ford. You get that publicity thing off a boycott, which happens more and more these days if you do it with a high-profile company. One. Two, think about buying cars. That is a major purchase. Do people really make moral decisions based on the car? And if they do, it's more buy American versus -- CAFFERTY: Foreign, sure. WASTLER: You got GM and Ford. If you look at Ford's number-one selling vehicle, it's the Ford F150, the pick up truck. LISOVICZ: How American is that? WASTLER: A lot of people aren't going to give up their pickup trucks, me included. So Ford has a very loyal following. Highly unlikely you'll get them to break out of that. Three, the American Family Association says we did the same thing to Disney. Look what happened to them. Nine years they were boycotting. I think Disney's problems have a little more to do with 9/11, weak stock price, theme park attendance -- CAFFERTY: And the guy they just got rid of who was running the company into the ground all that time. What was his name, Eisner? WASTLER: Well, he's still there, just -- you know, there's issues there -- SERWER: They really did a good job of stopping him from broadcasting "Desperate Housewives," too. WASTLER: They have 2 million members, which sounds kind of freaky, but 50,000 people signed the petition. It is more likely Ford will get some publicity, maybe even some sympathy from the elements where they would like to sell cars, like the soccer mom crowd. CAFFERTY: Enough of this. What about the "Fund Site of the Week"? WASTLER: Well in honor of one of our producers who is getting married, we have a wedding video for you. Roll it. LISOVICZ: Not hers. WASTLER: Looks normal. CAFFERTY: What did she do? Her fingers in there? SERWER: Oh, no! Wow. She's some looker there. WASTLER: Let's hope her wedding goes better. SERWER: I don't think that's going to happen to Joanne for obvious reasons. CAFFERTY: OK. Coming up next -- LISOVICZ: Really romantic, Allen. Thank you. CAFFERTY: Assuming they allow us to continue, coming up next on IN THE MONEY, time to hear from you as we read some of your e-mails from the past week. Send us an e-mail right now if you'd like to comment perhaps on the "Fund Site of the Week" clip we just showed you, we're at firstname.lastname@example.com. (COMMERCIAL BREAK) CAFFERTY: It's time now to read your answers to our "Question of the Week" about whether the hot real estate market is pricing you out of your chosen neighborhood - George in Virginia wrote this, "I'm getting priced out of my current neighborhood, not by the price of homes, but buy my rising property taxes. My property taxes have more than doubled over the past five years. Meanwhile, the government says there's no inflation." M.J. in New Jersey wrote this, "Absolutely! I was thinking about buying a retirement home in South Florida, but prices are rising out of sight. What good is the rising value of my home in New Jersey if it still isn't enough to cover my next purchase?" And Joe in Seattle weighed in with, "In Seattle the prices are outrageous, but that isn't really my problem. The trouble is finding a place for sale. Homes here sell within hours of when they're on the market. Maybe I should camp out at the realtor's office." Now for next weeks email "Question of the Week," which is this, "Do business boycotts the kind Allen was talking, by religious or activist groups influence you in any way?" Send your answers to firstname.lastname@example.com. And you should visit our show page at Money.com/inthemoney, which is where you will find the address of our "Fund Site of the Week". Based on that we certainly hope we're back next week. Thank you for joining us for this edition of IN THE MONEY. My thanks to CNN correspondent Susan Lisovitz, "Fortune" magazine Editor- at-large Andy Serwer and Money.com Managing Editor Allen Wastler. Join us next week, Saturday at 1:00 Eastern, Sunday at 3:00. Or you can catch Andy and me all week on "AMERICAN MORNING" which begins at 7:00 Eastern Time. Thanks again and enjoy the rest of your weekend. END TO ORDER A VIDEO OF THIS TRANSCRIPT, PLEASE CALL 800-CNN-NEWS OR USE OUR SECURE ONLINE ORDER FORM LOCATED AT www.fdch.com


text:
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text:
This past September, Snow Park, New Zealand hosted one of the most unique contests to ever hit the snowboard scene. The tone was one of camaraderie rather than competition, the pressure lay on the photographers more than the riders, and the panel of judges was easily one of the largest, most diverse groups to ever mediate a snowboard contest.
The Hemisphere Challenge consisted of two teams of four-one was a photographer and three riders from the Northern Hemisphere, and the other, a photographer and three riders from the Southern Hemisphere. Each day the two teams would collaboratively session a zone, then each team would submit five photographs to be posted on twsnow.com and voted on by you-the reader. The identities of the riders and the photographers were kept under wraps to discourage bias, and while speculation raged on the comment boards, everyone remained relatively incognito until the end of the competition.
As we all know, every great idea has a human behind it, and in this case the human is Frank Wells, the renowned cat driver, pipe cutter, and owner of Snow Park Technologies. Not only did Frank come up with the idea for the Hemisphere Challenge, but he also paid for the whole thing out of his own pocket. So obviously the best way to find out about Snow Park would be to talk to Frank. Good thing that's what we did.
TWS: What gave you the idea for the Hemisphere Challenge?
Frank: It was actually my business partner, Sam Lee, and myself. Originally he came up with the idea of doing the photography battle, and then I kind of became the nuts and bolts-for instance, coming up with the idea of doing a halfpipe day and a backcountry day-that kind of stuff.
TWS: What was the goal you were trying to reach with the Hemisphere Challenge? What did you want to get out of it?
Frank: We really just wanted to give the Southern Hemisphere guys a chance to be seen on the global scene, because they're strong riders, but all of the riders in the Southern Hemisphere struggle for coverage. The contest just gave the rest of the world a chance to see how sick the riding is.
TWS: A lot of time people kind of forget that photographers are involved in a great snowboarding photograph. Do you think this helped put emphasis on the photographers instead of just the riders?
Frank: I think it did absolutely-much more than we originally thought. When you only have one day to shoot in the pipe, it not only comes down to the riders riding, but to the photographers capturing it in a certain way. Having only five photos, you want each photo to have a different dynamic-and the way the photographers bonded-it was more like hanging out than a competition.
TWS: How was the crew? How did everyone work together?
Frank: It was the coolest. It didn't feel like a contest at all. We were eating together, playing pool, drinking beers, and riding in a helicopter. It did exactly what we wanted to do. We wanted people who mixed well, and I think we definitely accomplished that.
TWS: Are you going to do this next year? What will you do differently?
Frank: I think we'll definitely do this next year. I think the only difference is that we want to make it so that every photo is anonymous as opposed to having teams.
TWS: All right, well I guess that's about it. Would you like to add anything else?
Frank: I'd like to mention that we're offering vacation packages at Snow Park based on the eight days of the Hemisphere Challenge so that kids can have the experience of going heli boarding for a day, riding the park for a day, et cetera. The reason that I paid for this out of my pocket was so that we could make people more aware of all of the things we have to offer at Snow Park, so hopefully they'll come visit.
*For more information visit snowparknz.com.


text: While HP made major progress this week toward repairing its channel partner relations with major changes to its PartnerOne program, HP's first-quarter 2013 earnings were a reminder that HP still has a long way to go. HP's first-quarter sales and earnings both declined year over year, with HP's Personal Systems Group seeing an 8 percent decrease and HP notebook revenue falling a whopping 16 percent. While HP said there are positive signs for the company's turnaround going into the second quarter, the company's PC business continues to be an area of concern.


text:
FYC needed a new logo design and created a contest on 99designs.
A winner was selected from 84 designs submitted by 21 freelance designers.
We are the new provider of a new revolutionary, electronic cigarette. This "e-cigarette" has been made as an alternative to smoking, whether it is for a better health, or to be able to get your fix at places that prohibit smoking tobacco. Help us create our next logo for a product that will soon be recognized on a global scale!
Our interpretation of the scores:
1. Wrong Direction
2. Still wrong direction, some elements are not in our description.
3. Almost there, some tweaks should be considered.
4. Will be considered for final cut.
5. Made the final cut!
We are looking for a logo that will be simple enough to be competely universal in placing it anywhere from the product itself, to merchandise, to print, or online materials. The name "Vapure" is a combination of "Vapor" and "Pure", portaying an alternative to smoking by inhaling vapor, which is a lot more "pure" than smoke & burning tar!
We want a logo that is recognizable and very unique. A logo that represents elegance, intelligence, and health. We want to portray that we are one of the most reputable e-cigarette companies in the world, providing the best quality products on the market.
This product will most likely be very very popular for night life, like clubs and bars(even restaurants), where smoking tobacco is typically not allowed. But not limited to this, we would love to even attract the everyday person! But this gives you an idea of the type of "class" or "elegance" we are going for.
We want be the "next" novelty of social life, where people can enjoy "vaping" while socializing and drinking, instead of inheriting the dangers of inhaling real smoke. We would like to target smokers and expose them to this healthier AND cheaper alternative.
Because this is primarily a parallel lifestyle to cigarettes, which has been in our culture for over 100 years, we want to spin off the styles that tobacco companies use. So feel free to get ideas and brainstorm by researching brands like Camel, Kool, etc.
Since we are going for a "world class" image, we encourage maybe even brainstorming fashion designer brands such as Gucci, Guess, Louis Vuitton, Dior, etc.
We are experienced web developers and appreciate the presence of graphic designers. We understand the importance of constructive critisism and will be very straightforward on our thoughts on submits. We appreciate all designer efforts and respect your efforts, please understand that our standards are very high and we are looking for real professionals to come up with a design for us.
Example 1 of the product: click here
Example 2: click here
Thank you for your time and good luck!
- Concepts done by true vector professionals.
- Open to color schemes! But remember....
- We are a serious company, we want serious colors.
- 2 colors, maybe 3 if you have an amazing idea
- Super high class, elegant, clean look.
- Suggestive
- Eye catching
- Tagline: "Smoking Redefined."
- Logo should flow with the letters(preferred), open to creative ideas!
- Should be compatible with any color or surface!
- "World Class" look.
- No cheesy plain textured letters with a drop shadown and a picture of smoke photoshopped in.
- No Brown, pink, yellow
- No Flourescent super blinding colors.
- No round or comical fonts
- No web 2.0 "techy" feel. We're not a software company.
Find out how a design contest works or learn more about our logo design services.


text:
Basketball Shoes
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- Nike® Kyrie Irving Shoes: Designed for quick-footed players and forward movement, these shoes offer zonal support with superior grip and a lightweight foam midsole for impact protection. Hyperfuse construction provides excellent lockdown and durability. Explore a range of styles, including Kyrie Flytrap, Kyrie 3 and Kyrie 4 shoes.
- Under Armour® Curry 3: These signature basketball shoes are designed with a Threadborne™ upper, featuring tight-woven material for lightweight support and increased shoe strength and durability. Shock-absorbing Charged Cushioning™ helps improve responsiveness, while the rubber outsole delivers advanced control and traction.
- Nike PG 1: These signature Paul George basketball shoes offer incredible lockdown support and traction in a low-cut fit. The Zoom Air unit delivers responsive cushioning to help you stay light on your feet, while mesh provides breathability and comfort.
- Nike Zoom Clear Out: A dynamic mid-top collar delivers lightweight, flexible support, while Zoom Air cushioning creates responsiveness in the forefoot.
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Looking for more new shoe releases? Check out the Shoe Release Calendar.
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Shop popular basketball brands for shoes you can count on, including Nike basketball shoes and Under Armour basketball shoes. Transition from the court to the street with the Nike Air Force 1 or shop the full assortment of footwear at DICK'S Sporting Goods.
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New, dynamic lacing systems lock in your foot for unbelievable stability. Solid rubber outsoles with a classic herringbone pattern help keep you in control on the court. Light midsole cushioning absorbs shock to keep you going.
Think about your unique game and playing style when selecting men's or women's basketball shoes.
Aggressive power players need a shoe with maximum stability and cushion. Look for firm midsole cushioning and a padded, high-top shoe. Speed players should opt for a lightweight shoe with flexibility. Low-top basketball shoes with flexible outsole grooves perform well for these players. All-around players need a versatile shoe that delivers moderate support and cushion.


text:
NBA 2K11 is the latest installment in the best selling, and highest rated NBA video game series. It is the best way to plug into NBA culture. It's the most fun, authentic NBA video game experience and is for any sports fan with that competitive fire who wants to play the best NBA simulation on the market. It's the NBA series that everyone is playing – from the most elite NBA athletes and superstars to the local court gym rats.it delivered on its promise to TAKE OVER, and it will on build on that momentum by dialing up all of its features – gameplay, AI, presentation, visuals, audio, online and more – to deliver the best basketball videogame experience EVER.
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Pentium IV 2.2 GHz, 512 MB RAM, graphic card 256 MB (GeForce 9500 or better), 11 GB HDD, Windows XP/Vista/7. Pc game free download, free download full version, free games download, Free pc games download full version


text:
President Barack Obama is pressing congressional Republicans to approve his pick to head a new consumer watchdog office, promising he won't back down on his effort to protect middle-class Americans from deceptive business practices and prevent another financial meltdown.
"Every day America has to wait for a new consumer protection watchdog is another day that dishonest businesses can target and take advantage of students, seniors and service members," Obama said Saturday in his weekly radio and Internet address. "So I refuse to take 'no' for an answer. Financial institutions have plenty of high-powered lawyers and lobbyists looking out for them. It's time consumers had someone on their side."
Senate Republicans this week blocked Obama's appointment of Richard Cordray as director of the Consumer Financial Protection Bureau, an agency they said had been given too much power and too little accountability. Without a director, the office designed to shield consumers from the excesses behind the 2008 financial crisis is unable to operate at full strength.
With voters set to begin selecting a Republican presidential nominee in less than a month, Obama suggested the disagreement is another example of two parties who see fairness very differently. He said a consumer watchdog agency is critical to protecting ordinary Americans from the greed of the financial sector.
"Today, America faces a make-or-break moment for the middle class," he said, echoing a theme outlined during a Kansas speech earlier in the week. "I believe that this country succeeds when everyone gets a fair shot, everyone does their fair share and everyone engages in fair play."
Obama also reiterated his push for congressional Republicans to extend the Social Security payroll tax cut, which is set to expire at the end of the year.
And using the approaching holidays as leverage, he called on Congress to act on his priorities before leaving Washington for the year.
"No one should go home for the holidays until we get this done," Obama said. "So tell your members of Congress, 'Don't be a Grinch.' Tell them to do the right thing for you and for our economy."
Meanwhile, Republicans pushed their recipe for the nation's economic struggles.
Set for a House vote next week, the GOP plan ties an extension of the payroll tax and extended unemployment benefits to a provision that jump-starts work on a pipeline to carry oil from Canada to refineries on the Texas Gulf Coast.
Obama wants to postpone a decision on the project, known as the Keystone XL pipeline, until after next fall's elections.
"You've heard President Obama say the American people 'can't wait' to take action on jobs," House Speaker John Boehner of Ohio says in the Republicans' weekly address. "Well, the Keystone project is the very definition of an idea the American people can't wait for Washington to take action on."
Boehner continued: "This is no time for the same-old my-way-or-the-highway theatrics. It's no secret that Democrats and Republicans often disagree about the best way to create jobs, but we can't let those disagreements prevent us from acting when we agree."


text:
Talk:North America
Moved Belize to Central America. It is listed that way on the main country page. Not sure why it was under Caribbean -Huckabmm 11:56, 8 August 2008 (EDT)
Central America is frequently seen as part of the North American continent. Any objections if I include those countries here? D.D. 11:47, 19 Aug 2003 (PDT)
Am I the only person who has never heard of Panama City, Florida? Is this really a popular destination for North America as a whole? Nicksand 16:30, 9 Feb 2004 (EST)
Central America and Caribbean
Why are the countries of these two regions listed here, when they are also listed as separate continents (regions) on the front page? Sertmann 13:43, 4 October 2008 (EDT)
Globe-trotter 11:53, 7 September 2009 (EDT)
Other Destinations
I think the world's most popular resort destination ought to be listed under Other Destinations. I would suggest it replace one of the two Mayan archeological sites, although Corcovado National Park or Viñales might be candidates as well. LtPowers 15:36, 28 June 2010 (EDT)
Anyone else have any input? LtPowers 19:09, 12 August 2010 (EDT)
I'm still not sure how to reconcile a desire not to see the U.S. over-represented with the desire to include a traveler's most likely destinations. The Grand Canyon and Niagara Falls (which is also Canadian) are two incomparable natural wonders of the world. WDW is the most-visited theme park resort in the world. Yellowstone is the most well-known national park in the world, and certainly seems more important than Corcovado or Viñales as national parks go. I also don't like having two Mayan ruins on the list; do we really need both Chichen Itza and Tikal? LtPowers 08:04, 1 November 2010 (EDT)
List all countries?
While I appreciate the impulse behind this edit, I think it's a bit much. It produces a wall of text that most eyes will just skip over. LtPowers 08:50, 8 August 2010 (EDT)
Montreal should replace Vancouver. Zepppep 13:16, 7 March 2012 (EST)


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Today, censorship of Hebrew books takes place on many levels. Although previously the censorship of Hebrew books was driven in large part due to external concerns, today, most of the censorship takes place internally, by Jews for Jews. This censorship is generally driven by the false notion that Orthodox Judaism is and was monolithic. Of course, students of history know that this is entirely false; within the confines of Orthodoxy, there was diversity of opinion and practice (perhaps due to modern day censorship, this diversity has been slowly eroding within the Orthodox community).
It's worth noting that one of the more insidious examples of censorship is that of the modern Hebrew book databases. Today, there are three distinct databases, although they each borrow from one another.[1] The three are Otzar HaHochma, Otzrot ha-Torah and Hebrewbooks.org. The first two are more explicit about their censorship of some texts. They provide options when purchasing their databases, a scrubbed version and a more complete version. Some refer to the scrubbed version as the "Benei Yeshiva" version. It is unclear why those in Yeshiva, presumably dedicating their time to the study of Jewish literature, became short hand for a database that refuses to allow large portions of Jewish literature to be seen. In all events, these at least clue the buyer or user in on the fact that the databases may be incomplete.
Hebrewbooks, however, is in a different category. Hebrewbooks, which is funded by donations, states that its "goal is to bring to life the many Seforim that were written and unfortunately forgotten, and to make all Torah Publications free and ubiquitous." (Emphasis added). In truth, not all Torah publications are included in the Hebrewbooks database. This is not a product of happenstance that these authors are left out. To the contrary, in many instances, these works were scanned, uploaded and included in the Hebrewbooks database, only to have them disappear when presumably someone decided that these books should be removed. To be clear – Hebrewbooks will take the time, money and effort to make a Torah publication available online, only to remove it – without ever offering a reason or noting that it has been removed.[2] While Hebrewbooks is a modern day example using modern technology to advance a particular ideology, such ideological censorship, especially regarding R. Kook, has and still takes place.[3]
Hebrewbooks, however, is in a different category. Hebrewbooks, which is funded by donations, states that its "goal is to bring to life the many Seforim that were written and unfortunately forgotten, and to make all Torah Publications free and ubiquitous." (Emphasis added). In truth, not all Torah publications are included in the Hebrewbooks database. This is not a product of happenstance that these authors are left out. To the contrary, in many instances, these works were scanned, uploaded and included in the Hebrewbooks database, only to have them disappear when presumably someone decided that these books should be removed. To be clear – Hebrewbooks will take the time, money and effort to make a Torah publication available online, only to remove it – without ever offering a reason or noting that it has been removed.[2] While Hebrewbooks is a modern day example using modern technology to advance a particular ideology, such ideological censorship, especially regarding R. Kook, has and still takes place.[3]
Regarding censorship, one person who has suffered terribly is R. Kook.[4] And, while one can debate the legacy of his philosophy,[5] it is hard to do so when all vestiges of him are removed. Ironically, some of the censorship of R. Kook is partially cured by Hebrewbooks' inclusion of many of the originals that include comments or portions from R. Kook that no longer appear in the current editions. [Of course, one hopes that the censor at Hebrewbooks doesn't read this and "remedy" this.] While R. Kook has been censored in various ways, from not mentioning his name, even when it's merely a reference to a publishing house bearing his name and is not actually a reference to R. Kook (see here), the most common form of censoring R. Kook is to remove his approbation from works, and there are many, for he was a renowned ga'on in his time. One such work is the excellent and erudite commentary on Torah, Pardes Yosef by R. Yosef Pazanavski. Although Pardes Yosef is described as a Torah commentary, in reality is a veritable encyclopedia of highly interesting Rabbinic miscellany. For comparison, Pardes Yosef is what a Torah commentary would look like if R. Ovadiah Yosef wrote one. It is full of interesting tangents that are treated in an incredibly comprehensive manner. Indeed, many speakers and modern day commentaries appear to be heavily based upon Pardes Yosef even if it's not always cited.
The first volume, on Bereshit, was first published in Lodz in 1930.[6] This work contains the approbations of many well-known Rabbis, including R. Menachem Mendal of Gur (Gur [Gerrer] Rebbi – Penei Menachem), R. Yosef Hayyim Sonnenfeld, R. Meir Shapira, R. Yisrael Meir ha-Kohen (Hafetz Hayyim). In this instance, unlike the case for many approbations, many of those praising the work actually read it, indeed many include glosses and notes on the text. R. Pazanavski was especially proud of the Gur Rebbi's approbation as R. Pazanavski was a Gur hassid.[7] Now, not everyone seems to have gotten their approbation back to R. Pazanavski in time to include it at the beginning of volume, instead, R. Pazanavski includes some late-received approbations at the end of the book, one of which is R. Kook's. R. Pazanavski prefaces R. Kook's approbation with the following:
From the true Gaon, who is known throughout the world for his wisdom and Torah in both the revealed and hidden Torah, and his many precious works, the glory of our generation, the polymath our leader and Rabbi Avraham Yitzhak ha-Kohen Kook shlit"a. The head of the Rabbanut in Israel and the head of the Bet Din of Jerusalem.
As mentioned above, many of the approbations contain comments on Pardes Yosef, and R. Kook's is one of these. R. Kook, in attempting to answer a question raised in the work, records an interesting story regarding R. Yehoshua Leib Diskin. R. Kook explains that R. Diskin remained lucid, with all his mental faculties, right up until his death. As proof, R. Kook tells the story of a woman who brought a cloth which had a stain to determine a niddah issue. R. Diskin ruled strictly. The woman was unhappy with the ruling and assumed R. Diskin only ruled that way because he couldn't really see or understand the issue. So, without telling R. Diskin brought it back to him, but didn't tell him it was the same as before. R. Diskin looked at it and immediately identified it as the very same cloth and issue as before. Those around him were astounded, how could he possibly know that this nondescript cloth was the same? To which R. Diskin responded that it has such-and-such number of threads. The students then took the cloth apart and sure enough it had exactly the thread-count R. Diskin said.[8]
The Pardes Yosef was and is a fairly popular work and as such has been reprinted multiple times. Indeed, since its publication in 1931, it was published an additional three times in photo-mechanical reproductions. In some of these reproductions, however, R. Kook's approbation is missing. Instead, there is a blank page where his approbation previously appeared.
The Pardes Yosef while popular was a difficult work. In part this is due to the overuse of obscure abbreviations.[9] In 1995, a new edition of Pardes Yosef was published, and this edition attempted to make the book more user-friendly by removing the abbreviations, resetting the type and other improvements. This edition was published in Benei Berak, and notably includes R. Kook's approbation in reset type. But, for this edition, only part of the first volume was published and then no more.
In 1998, a new edition, boasting many of the improvements contained in the 1995 edition began being published again in Benei Berak. Although titled Pardes Yosef ha-Shalem (emphasis added), this edition is incomplete at least regarding R. Kook's approbation. That approbation is again missing.
Today, Hebrewbooks includes the first edition – the edition that includes R. Kook's approbation (link). While presumably unintended, Hebrewbooks has followed R. Pazanavski's wish that his work bear the approbation of R. Kook.
[1] In reality there are many more databases which either include Hebrew books or are devoted to Hebrew books. Generally, these are found on various library's websites and are limited to the works that the particular library owns and are not intended to be comprehensive. The three databases discussed above intend to include all Hebrew books.
[2] A partial list of Hebrew books which appeared, but were removed from Hebrewbooks.org is:
- Arnold Ehrlich - Mikra Kifshuta (Berlin 1899)
- R. Gedaliah Nadel - Betorato shel R. Gedaliah (see Rabbi Natan Slifkin on that here)
- Moses Mendelssohn - Phaedon (Hebrew)
- Moses Mendelssohn - Netivot Shalom - Bamidbar (Vienna 1846) (40004)
- Moses Mendelssohn - Netivot Shalom - Devarim (Vienna 1846) (40005)
- R. Yom Tov Schwartz - Maaneh Leigrot (which is available elsewhere online here)
- Joseph Perl - Megaleh Temirin 1819 (43110)
- A Karaite siddur from 1737 (43124)
- Naftali Herz Wessely - Olelot Naftali - Bereshit 1842 (34363)
- Naftali Herz Wessely Wessely - Shirei Tiferet 1809 (43205)
The numbers are provided in some cases, where available, showing where they used to be on Hebrewbooks.org. Needless to say, many books remain which would be removed, if the criteria applied to these were able to apply to the many needles in a nearly 50,000 piece-strong haystack.
Here is a graphic depicting how one of these books was on Hebrewbooks.org. It is no longer.
Note that this very book bears approbations from Chacham Isaac Bernays and R. Jacob Ettlinger. For more on Wessely in seforim, see Eliezer Brodt's post here.
The Otzar Ha-hochma removes books as well, even from it's standard "non-Benei Torah" version. For example, the periodical Yerushalayim (Zolkiew 1844) was there. Now it is gone.
[3]For other examples of using modern technology and modern methods to promote a traditional (albeit anachronistic) point-of-view, see Yoel Finkelman, Strictly Kosher Reading: Popular Literature and the Condition of Contemporary Orthodoxy, Academic Studies Press: 2011.
[4] For examples of censorship regarding R. Kook see Dr. Meir Raflad "'al Peletat Soforim" Sinai 122 (1998) 229–232; Dr. Meir Raflad "Oy l'Tzadik v'Oy l'Shcheno" Hatzofeh, Sept. 2, 2005.
[5] See, e.g., Gershom Gorenberg, The Unmaking of Israel, HarperCollins Pub., 2011, arguing that the modern-day Israeli settlements and their attendant issues springs from R. Kook's philosophy.
[6] The title page records the date of publication as the Hebrew year of 5690, (printed in the year "Kechu Sefer Pardes Yosef ha-Zeh") in reality it wasn't completed until 5691, as R. Pazanavski signs the final page 13 Tishrei 5691. Ultimately, only three volumes would be published, Berashit, Shemot and Va'yikrah. While R. Pazanavski wrote on all five volumes of the Torah, the remaining manuscript was lost during the Holocaust. The Mandelbaum edition, discussed below, "completes" the remaining volumes in the same style as the first three. Thus, today, Pardes Yosef is available on the entire Torah.
[7] In light of R. Pazanavski's affilation with Gur and specifically, the then current rebbi, Penei Menachem, it's unsurprising that R. Pazanavski viewed R. Kook positively. It is well-known that the Penei Menachem had a favorable view of R. Kook. See R. Eliezer Sirkes, Ish ha-Emunah, Yitzhak Alfasi ed., Tel Aviv: 1979, pp. 111, 124, 128, 131. One of the putative goals of the Penei Menachem when he went to Israel was to attempt to reconcile R. Kook and R. Sonnenfeld. Thus, it is especially ironic that, as discussed below, the Mandelbaum edition removes R. Kook's approbation as Mandelbaum is a Gur hassid.
[8] This story appears to have been related at one of the eulogies after R. Diskin's death. See Yeshah Orenstein, Ma'amar Shelamut ha-Mitzeyot, in Hiddushei R. Yeshayah Orenstein, Jerusalem: 1972, p. 185. A similar story is told about R. Eliyahu Mizrachi (1450-1526). See R. Abraham Kalphon, Ma'aseh Tzaddim, Assaf Revivi ed., Ashkelon: 2009, p. 160. According to this story the king (presumably it would be the Sultan and not a king as after 1453, Constantinople was ruled by the Ottomans and its leader was a sultan) wanted to show the greatness of R. Mizrachi. To do so, he took a special chair and placed R. Mizrachi upon it and asked him to calculate the distance between him and the sky. R. Mizrachi asked for a pen and paper and, after some calculations, wrote down a number which the king took as proof. Of course, this wasn't convincing to those around. But what the king then did was some time later the king took out the chair again but this time he ordered a small coin be placed under the chair's legs, unbeknownst to anyone else. He then had R. Mizrachi come back and the king feigned that he couldn't recall R. Mizrachi's prior calculation and asked him to repeat it. This time R. Mizrachi wrote down the same number but said that is now seems that it needs to be reduced by the width of a coin. Like the story with R. Diskin, this demonstrated R. Mizrachi's amazing estimation ability. Unfortunately, to our knowledge, there are no recorded stories of any famous rabbi winning guess the number of jelly beans in a jar contest.
[9] On the use of obscure abbreviations see Ya'akov Shmuel Speigel, "Ha-Shimush be-Kitzurim ve-Roshei Tevot Shanom Shichim," Yeshurun 10: 2002, pp. 814-30.


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For the rest of the year, we'll be spotlighting our KEXP DJs Top Albums of 2013. View all our DJ's favorite albums here, and see what KEXP listeners voted for in our 2013 Top 90.3 Albums Countdown here. Nate's 2013 Top Ten Albums #1: Blomma by Minilogue on Cocoon Recordings Continuing their exploration of whatRead more…
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Listening to 7 Billion Voices
What does love mean to you?
In this video [1] you can watch and listen to people from multiple countries, origins, religions and cultures, answering the question.
Like fear, hope, sadness, joy, loneliness, and awe, love is a universal feeling. By asking the same questions on elementary matters to thousands of people around the world, a web project has collected precious clues that we – the 7+ billion individuals currently living on Earth –have a lot more in common than we may think.
I first heard of this project called "7 Billion Others" in 2007 when I was studying storytelling. The lecturer was demonstrating the importance of telling a story that matters to the audience. I remember when he said that this was the only way anyone could make a positive change actually happen on a large scale – because a story well-told can impact the way you perceive the world as much as if you had lived the story yourself.
7 Billion Others was launched 10 years ago, not to drive political or social change, but simply to listen in order to better understand. Between 2003 and 2011, 6,000 interviews were filmed in 84 countries, while web users were invited to submit their own testimonies directly on 7billionothers.org [2]. Now the website shows a collection of portraits revealing deep similarities regardless of the tremendous cultural diversity presented in the testimonies.
The suggested mosaic of testimonies may be a good start to learn how to better deal with our similarities and differences. In addition, initiatives like 7 Billion Others or "One Day on Earth [3]" (another video project dedicated to worldwide people stories) provide an opportunity to listen to voices that do not usually reach a wide audience. I also think that these initiatives are powerful advocates for inclusion of minority voices, which is a crucial matter if we want to build a better future together.
A "Development Matters" sub-project by 7 Billion Others aims to make worldwide citizens more sensitive to the global challenges and to inform them about the ins and outs of the Millennium Development Goals [4].
Play your part in the project
If you know how to make it relevant, telling your story is important, as it can help people become more aware of challenges that do not directly affect them.
You can contribute to the 7 Billion Others project. To do so, create a user account [5] with your Facebook profile and then upload your video testimonial or submit a message answering the questions.
To watch more than 300 full testimonies on universal subjects like education, family, happiness, health, love, gender, nature, or war, check out the mosaic [6].
- Tags:
- Participatory Video [7]
- Cross-Cultural Understanding [8]
- Global Voices [9]
- Youth [10]
- Differences [11]


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A suicide bomber killed about 15 in the second major attack on the Iraqi police in as many days. This one came at the police training center in Baquba, about 50 miles north of Baghdad, according to Reuters.
Yesterday's attack killed about 50 at a police recruiting center in Tikrit, Saddam Hussein's hometown. An obvious reminder that the Iraq war isn't over, whether the US pulls out on time at the end of this year or not. Tikrit and Baquba have been repeatedly "pacified" over the past 7 years -- I wrote about a major US army effort to clear Baquba of Sunni insurgents in 2005. As shocking as it sounds, places sometimes don't stay pacified.
There's been some call/speculation in the press about the US military extending its stay in Iraq in response to these kinds of attacks, even though suicide attacks by Sunni Islamists have been a sort of background radiation to the Iraq war (both the one to get foreign troops out and the one being contested between Iraqis for local power). They've occurred in areas where US troops patrolled in force and in areas where they rarely went. They occurred before the surge, during the surge and after the surge.
Stopping them is now in the hands of the Shiite-dominated government of Prime Minister Nouri al-Maliki, which has a lot of work to do to convince Iraq's general Sunni Arab population that his government will serve their interests as well as those of his coreligionists.
Tunisia's uprising/revolution appears to be entering a quieter phase. Protests were smaller and scattered today, exiled opposition politicians have returned home, and the old guard who served departed Tunisian strongman Zine El Abdine Ben Ali (who has begun his career in exile in Saudi Arabia) try to figure out how to hand on to their positions.
What comes next is hard to say. US Ambassador Gordon Gray made rather tentative remarks about the outlook to Al Jazeera."I think what we have in Tunisia is a situation where ... this democratic expression is a work in progress... And it's a new phenomenon and it's something that people are doing without very much experience."
In fact there's been little democratic expression at all so far aside from the street power that pushed out Ben Ali. Tunisia's interim government is led by the same men who helped secure his rule, and a constitution and electoral system that served his dictatorship remain in place.
Will that change or will the pressure ease off enough to convince interim Prime Minister Mohammed Ghannouchi and his friends to reach for the brass ring after making mostly cosmetic concessions? We'll see.
While Monitor reporter Scott Peterson reported yesterday that a contagion of uprisings isn't likely (and I agree with him), it appears that regional autocrats aren't taking any chances. The Associated Press reports that the oil rich Gulf monarchies are about to create a $2 billion fund to help "provide job opportunities for Arab young people in order to empower them to participate fully in their societies." Diplomats told the AP ahead of an Arab economic summit that started in Egypt today that Saudi Arabia and Kuwait will kick in $500 million each.
Tunisia has become the dominant theme of the summit and Arab League Secretary General Amr Mussa captured the mood with his remarks. "The revolution that happened in Tunisia is not far from the subject of this summit... and it is not far from what is going through the minds of many...the Arab soul is broken by poverty and unemployment."
The contrast between Mussa's comments and those of his former boss, Egyptian President Hosni Mubarak, were a reminder of how much resistance the aging leaders of regime's like Egypt are likely to put up in the face of change.
While Mussa, who was fired as Mubarak's foreign minister ten years ago largely because of his immense popularity in Egypt and the region, made an impassioned plea for change, Mubarak didn't utter the word Tunisia at all, though he did allude to the revolt, saying it was now clear that economic progress is a "basic demand of Arab national security." It's no surprise that Mubarak might see events in Tunisia through the lens of the security state that serves him. The people of Egypt don't share his view.
Of course, if Josef Joffe is right, Mubarak should sleep easy. Borrowing from both Samuel Huntington and Karl Marx, Joffe argues that the problem for Tunisia's Ben Ali was not that his people were poor, but that they weren't poor enough. After running down indicators that show Tunisia is richer, better-educated, and more-integrated in the global economy than neighbors like Egypt, he writes:
"Such numbers would have made Karl Marx clap his hands in delight. Looking at the Tunisian upheaval he would have cried out: 'I was right.' About what? About the "contradiction" between regime and risers, between an ossified power structure and what he called the 'bourgeoisie.'
If you are poor, you have neither the time nor the energy to engage in politics. If you are not educated, you lack the cultural skills to articulate your demands—to agitate and organize. And, if you are poor, uneducated, and thus isolated, as much of the Arab world is, then you have no benchmark against which to measure your misery."


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Is it just a phase or a serious problem? Help your child cope with life's ups and downs, from dealing with divorce to preparing for new siblings. Or find out how to understand your child's behavior, whether it's toddler tantrums or teenage depression.
Note: All information is for educational purposes only. For specific medical advice, diagnoses, and treatment, consult your doctor.
© 1995-
Images provided by The Nemours Foundation, iStock, Getty Images, Veer, Shutterstock, and Clipart.com.
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Bay Area Hospital strives to improve the health of our community every day.
Bay Area Hospital is a tobacco-free campus.
We provide some of the most advanced and compassionate care in the region.
Whether you are receiving care or visiting a loved one, our goal is to make your stay with us a positive one.
Bay Area Hospital offers a wide variety of support groups and programs to improve the health of our community.
We are continually looking for opportunities to improve our organization and keep our community informed.
Vegetable and garlic calzone — one of many healthy recipes from Mayo Clinic.
Instead of high-fat meats, this calzone is stuffed with fresh vegetables, which significantly reduces the amount of fat and calories. Serve with a salad and fruit.
Preheat the oven to 400 F. Lightly coat a baking sheet with cooking spray.
In a medium bowl, add the asparagus, spinach, broccoli, mushrooms and garlic. Drizzle 1 teaspoon of the olive oil over the vegetables and toss to mix well.
Heat a large, nonstick frying pan over medium-high heat. Add the vegetables and saute for 4 to 5 minutes, stirring frequently. Remove from heat and set aside to cool.
On a floured surface, cut the bread dough in half. Press each half into a circle. Using a rolling pin, roll the dough into an oval. On half of the oval, add 1/2 of the sauteed vegetables, 1/2 of the tomato slices and 1/4 cup cheese. Wet your finger and rub the edge of the dough that has the filling on it. Fold the dough over the filling, pressing the edges together. Roll the edges and then press them down with a fork. Place the calzone on the prepared baking sheet. Repeat to make the other calzone.
Brush the calzones with the remaining 1 teaspoon olive oil. Bake until golden brown, about 20 minutes.
Heat the pizza sauce in the microwave or on the stove top. Place each calzone on a plate. Serve with 1/3 cup pizza sauce on the side or pour the sauce over the calzones.


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Avast: How Good, Free Software Survives (for Now)
Left unaddressed was the question I asked, at least implicitly: how can these companies do a good job if the overwhelming majority of their customers don't pay them a dime? I spoke with Vincent Steckler, the new CEO of Alwil Software, the makers of Avast, about this, and he makes a decent case for how they do it.
Steckler says that the big 3 of free security software, Avast, Avira and AVG, are all profitable, successful companies. Panda is also entering the free market with their latest generation, and Microsoft's free Security Essentials (now in beta) is what got free anti-malware back in the news. They all give away their products and (except for Microsoft) sell a premium consumer version which has some features lacking in the free one.
In the case of Avast, the free version lacks the following features (present in the Professional Edition): PUSH updates, Command-line scanner, Enhanced User Interface, and Script blocker. Steckler also said that, for reasons which are unclear, there is on-access scanning in the free version but you can't schedule a scan (this is part of the missing Enhanced User Interface).
The large, commercial anti-malware products in the consumer market get a large percentage of their customers through the OEM market. When you buy a computer you can get either trialware or fully-subscribed versions of many AV products pre-installed. The AV companies pay big money to get their software sold in this way by OEMs, and most of the trialware ends up unactivated, in some cases giving a false impression of protection.
The free products don't have these marketing costs, and they probably have lower marketing costs in general. They rely on word of mouth and stories like this one. Some percentage of their home users upgrade to the pay versions, and business users can only use the pay version. This is what pays the bills. Steckler claims to have 90 million users, with 2-3% of them using the premium versions. That's a healthy number of users.
They do have other costs, like virus research and an update infrastructure, but they would have these whether they had a free product or not. Of course, the update infrastructure would have much less demand on it without all the free use, but Avast seems concerned with keeping those costs down. They own their own update infrastructure instead of paying Akamai or some other CDN to do the job, and the premium "PUSH updates" mentioned above are distributed through SMTP to your e-mail client. When Avast 5 is released in October their network will be stressed to the limit.
They also update much less frequently than the commercial vendors, usually just once a day, but don't apologize: it's about quality, not quantity, to Steckler. Vendors like Kaspersky, who update once an hour, would scoff at this schedule, arguing that threats are coming out all the time and that a daily update leaves users vulnerable for extended periods.
How does this difference manifest in tests? I don't have any recent numbers, but last year I ran a large detection performance comparison by AV-Test. The Big Free Three weren't absolutely the best, but they did really well, especially Avira's Antivir. The last full review of Avast that PCMag did was also positive.
Steckler also stresses that the free products, and certainly Avast, do not have crippled protection. They protect browser use as well as file access, for example, and Avast scans the entire HTTP stream. This blog entry is an example of the sort of thing that is very common these days: SQL injection used to infect Google search results. These need to be detected in the browser or even beforehand in order to be effective and efficient.
The for-pay vendors aren't standing still either, so I can't say that the free products are as good or better than the for-pay ones. You also can't judge today's Norton or McAfee or Trend or Kaspersky by your experience 2 or 3 years ago. And I stand by my rhetorical point in my earlier piece that if the free products do everything you need, why do the same companies sell premium products? Clearly some percentage of users need those features.
But a lot of people don't, or at least they don't need them enough to pay a recurring annual subscription fee for them. The entrance of Microsoft especially, no matter how low your expectations of their product, has to be putting a lot of pressure on the security companies. They may still be doing well, but something will have to change before too long.
Originally posted on the PCMag.com security blog, Security Watch.


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Q: I was fortunate to have seen Andy Williams several times in Branson, Mo. I was saddened to hear of his passing. My favorite song is "Moon River." I was listening to some of the words:
There's such a lot of world to see
We're after the same rainbow's end,
Waitin' 'round the bend
My huckleberry friend, Moon River and me.
I have to ask: What is a huckleberry friend? — J.S., Mount Penn, Pa.
A: I am asked this question every few years. Since the passing of Andy Williams on Sept. 25, I have received many emails and letters with the same question.
First, let me tell you the huckleberry story. When early American colonists encountered a native berry, they mistook it for the European berry known as the "hurtleberry." The name stuck, but the pronunciation changed over time to huckleberry. By the mid- to late-1800s, huckleberry became slang for "an all-around nice person." Now, to confuse things a bit, huckleberry could also mean "a small amount or distance" or an "insignificant thing or person." This meaning led to another popular phrase at the time, to bet a huckleberry to a persimmon, meaning a very small bet. The lowly huckleberry was also used in a phrase indicating something or someone special, as in "the only huckleberry on the bush," which I'm sure led to the phrase "huckleberry friend," meaning someone very unique or special.
Q: I was wondering if there are books available that list every character actor? My wife and I have seen books about movie stars, but we have never seen anything on the people who play certain characters or bit parts in movies. — J.R., Cheboygan, Mich.
A: A few recommended books are "Names You Never Remember, With Faces You Never Forget," by Justin Humphreys, and "Hey! It's That Guy!" by Tara Ariano and Adam Sternbergh. You should be able to order the books from any bookstore or on Amazon.com.
Q: Actor Cary Elwes never seems to be referred to in Hollywood news. He was in the movie "The Princess Bride" (1987). Can you tell me more about him? — M.K., Naples, Fla.
A: Ivan Simon Cary Elwes was born in London on Oct. 26, 1962. He has been married to photographer Lisa Marie Kurbikoff since 2000. They have one daughter.
Elwes stays very busy with roles on TV and in the movies, both acting and voice parts. You may have seen him in "Psych," "New Year's Eve" or "Saw."
Q: Azure is one of my favorite colors. How did it get its unusual name? — I.B., Santa Rosa, Calif.
A: Azure has its roots in the Persian word "lazheward." Lazheward is located in northern Afghanistan, a place famous for its deep blue stone. We know those stones today as "lapis lazuli," which means "stone of Lazheward." The gemstone was among the first to be worn as jewelry; it was used extensively in ancient Egypt.
By the 12th century, the French had adopted the word "l'azur." The first use of the color name was in Geoffrey Chaucer's 1394 work, "Troilus and Criseyde."
Q: I am almost 80 years old, and I still have and enjoy my collection of Shirley Temple dolls and toys that my mother bought for me when I was very young. I haven't heard anything about Shirley Temple for the past several years. Is she still alive? — L.D., Easton, Md.
A: Shirley Temple Black is alive and well. The 84-year-old former child star and U.S. ambassador lives in California.
Send your questions to Mr. Know-It-All at email@example.com or c/o Universal Uclick, 1130 Walnut St., Kansas City, MO 64106.


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For the smart arse geek daughter in the family.
Sometimes the best way to say something about yourself is by writing it across your butt. This is one of those times. These cute, low-rise fitted pants are cozy and ready for you to step into them. Are you geek enough to announce it with your bottom?


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May 2, 2009
CONTACT: Van Zanic
Sports Information Director
(724) 847-6886
Geneva′s Bear Wins NCCAA National Title in Javelin, Golden Tornadoes Nab Seven Top Ten Finishes
Marion, IN - Do you think Tiffany Bear will remember her final collegiate track meet? The senior saved her best performance for her last meet. Slowed by a sore back, Bear was unable to compete in the heptathlon, but her back ailment didn′t keep her from showing off her abilities in the javelin event. Competing on the national stage at Indiana Wesleyan University at the NCCAA national track and field meet, Bear and 11 other Geneva student-athletes represented the Golden Tornadoes.
While Geneva showed off some solid performances, it was Bear′s work in the javelin that stole the show. With a national championship throw of 140-04, Bear defeated the next closest competitor by nearly eight feet. It was Bear′s first national championship in her brilliant four-year career.
Other top performances on the women′s side included a 14th place finish in the 800 meter race and an 11th place finish in the 1500 meter event for Rebecca VanRegenmorter. Jamie Williams and Aisha Moore each turned in top ten finishes in the women′s heptathlon.
Freshman sprinter Bobby Rex concluded his memorable freshman campaign with solid performances in the 100 and 200 meter races. Rex finished 13th in the 100 meter event and then qualified for the final heat in the 200 meter event. Rex turned in a seventh place overall finish in the 200 meter finals with a time of 23:16. Teammate Stephen Polite turned in a tenth place finish with his 42-01 effort in the triple jump.
In the men′s field events, Dan Dillman competed in both the shot put and discus and came away with a pair of top ten finishes. Dillman was fifth in the shot put with a toss of 40-09 and an eighth place spot in the discus with a mark of 130-10.
© 2018 Geneva College | All rights reserved


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Transform your photos into one-of-a-kind, hand painted masterpieces!
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Hymn To Illness by MJ Olsen - 10" x 8"
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Michael Platarote
January 21st, 2019
January 20th, 2019
Hospital in Wyandotte, Michigan. It's easy to see which segments of our society have plenty of money, and which are struggling or dying just by looking at the buildings.
Fine Art Photography as Social Commentary My images are born in a camera, but come of age in a computer. The impetus for these images comes from music, specifically from the blues. While it's true that the blues come from hard times, it's the way people face hard times that matters. People who sing and play the blues aren't sunk in depression, or boiling with bitterness, they aren't killing themselves or other people, they aren't taking Prozac or Valium. They look hard times in the eye and choose to make music � a triumph of the human spirit. These images are my attempt to show that spirit at work during these hard times in Michigan. I live in Michigan, began saxophone at 60, and photography at 70. I recently moved. My new...
Our return policy is very simple:
If you're not happy with a purchase that you made on FineArtAmerica.com, for any reason, you can return it to us within 30 days of the order date. As soon as it arrives, we'll issue a full refund for the entire purchase price. Please note - Fine Art America does not reimburse the outgoing or return shipping charges unless the return is due to a defect in quality.
Fine Art America sells thousands of pieces of artwork each month - all with a 100% money-back guarantee. We take great pride in the fact that hundreds of thousands of artists have chosen Fine Art America to fulfill their orders, and we look forward to helping you select your next piece!
All posters ship from our production facility within 2 - 3 business days of your order.