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- On average, restaurant managers make around $50,000 per year
- Restaurant managers often work more than 40 hours per week
- Many colleges and universities offer bachelor's degrees in restaurant management
What do restaurant managers do?
In a well run restaurant you may never know that a restaurant manager ever exists. Most people never even see one until something goes wrong. Hair in your food? Poor service? Wrong order? Bet you'll be asking for the manager. But they're more than just complaint filters. Restaurant managers are responsible for every aspect of the hiring process for all of their employees including interviewing, hiring and training. When they're not attending to personnel needs, they're also responsible for food service and administrative duties.
Typically payroll, licensing, food ordering, inspections and all sorts of other paperwork are handled by restaurant managers. These tasks require extensive training and experience, because errors can be extremely expensive. Most restaurants employ a general manager and several assistant managers. Assistant restaurant managers are often responsible for either the "back of the house," which consists of chefs, cooks, dishwashers and other kitchen staff, or for the "front of the house," which includes hosts and hostesses, servers and sometimes bartenders. Assistant managers report to the general manager and help oversee the day-to-day activities in the restaurant to keep things running smoothly.
How much do restaurant managers make?
The average salary for all restaurant managers is about $49,420 per year. Experienced restaurant managers at higher end restaurants can earn up to $76,940 per year. It sounds like a lot of money, and it is, but keep in mind that almost all restaurant managers work way more than 40 hours per week, often including late nights and weekends. This isn't your average nine-to-fiver.
Education requirements
There are rarely any mandatory education requirements to become a restaurant manager. Many colleges and universities (over 1,000) offer bachelor's degrees in restaurant and hospitality management. If an associate's degree is more your speed, lots of technical institutes and community college have programs leading to a formal certification in restaurant management. The curriculum for both programs will usually include classes in business, computer science and accounting. Many companies, especially large chains, will offer paid and un-paid internships for those seeking careers in restaurant and hospitality management. If you don't have the formal education experience, no big deal. Many restaurant managers work their way up by starting on the front lines as servers or cooks and get promoted.
Career paths for restaurant managers
If you're looking to move up in the restaurant business, you're definitely going to need to be willing to relocate. Most restaurant mangers get promoted into positions in regional management in larger chains. Some also choose to open up their own restaurants or franchise from a large corporation.
The future of restaurant managers
The BLS (Bureau of Labor Statistics) expects a slow increase in restaurant manager positions over the 2008-2018 decade. This slow in growth is a direct result of a decline in the number of new restaurants. Most new opportunities will be from replacing current workers and a small number of new positions in full service restaurant locations.
See all job descriptions


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Facebook is all about mobile.
That was CEO Mark Zuckerberg's emphatic message before a packed crowd at the TechCrunch Disrupt conference on Tuesday, in his first public appearance since the company's botched initial public offering.
For every "person who's using Facebook on mobile, there's more engagement and they're spending more time," he said. "We think we'll make a lot more money than on the desktop."
That's critical as the Menlo Park company grapples with slowing user growth, and a mass migration to smart phones and tablets, where the company has struggled to make money so far.
Investors have reacted cooly to those trends, lopping off nearly half of the company's value since the May IPO.
Zuckerberg acknowledged that the social networking giant's sharp stock decline has been "disappointing," and undermined staff morale.
But he stressed that the company and its employees are driven by the larger mission, and made clear the current focus is on building better tools for smart phones and tablets.
The company is preparing to release new apps or features for Apple mobile devices and those running on Google's Android operating system.
"Over the coming week and months, expect to see a lot of the cool stuff people have been working on," Zuckerberg said. "We've transitioned and are now a mobile company."
He said the company's biggest mistake was betting too heavily on so called HTML5 apps for devices, which rely on Internet standards to run across different types of devices, as opposed to writing code for specific mobile operating systems.
"You just could do so much better by doing native work," he said.
Zuckerberg highlighted his own reliance on mobile devices by noting that he wrote the founder's letter in Facebook's IPO filing on his phone.
"I basically live on my mobile device," he said.
That said, he insisted the rampant rumor that Facebook will build its own phone "doesn't make sense."
Facebook stock has been languishing below the $20 per share mark, although it closed up about 3 percent at $19.43 per share on the Nasdaq stock market. But the price popped back above $20 per share in after-hours trading following Zuckerberg's interview, which was webcast.
Earlier in the day, Salesforce Chief Executive Officer Marc Benioff said Facebook should have gone public two years earlier.
Allowing stock sales by employees and early investors on secondary markets helped the company stay private and grow, but also delayed going public until Facebook's high-level of revenue growth had slowed and became a major concern for investors, he said.
"Facebook has the opportunity to be the next Google, but if you want to be the next Google, you've got to have more than 30 percent growth," said in an onstage interview with Arrington.
But Benioff didn't want to criticize Zuckerberg, especially since Facebook is one of Salesforce's big customers.
"They've got a great company, he's a great CEO, they've got a great user base, but they've got to double down on revenue growth," he said.

subset: commoncrawl


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Fultondale Real Estate
Fultondale is located in Alabama. Fultondale, Alabama has a population of 8,779. Fultondale is more family-centric than the surrounding county with 29% households with children. The county percentage for households with children is 27%.
The median household income in Fultondale, Alabama is $47,861. The median household income for the surrounding county is $43,348 compared to the national median of $50,013. The median age of people living in Fultondale is 37.3 years.
Fultondale Weather
The average high temperature in July is 90.6 degrees, with an average low temperature in January of 32.3 degrees. The annual precipitation is 53.99.
Fultondale Map
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Flash Eurobarometer reports
Flash Eurobarometers are ad hoc thematical telephone interviews conducted at the request of any service of the European Commission. Flash surveys enable the Commission to obtain results relatively quickly and to focus on specific target groups, as and when required. Reproduction is authorized, except for commercial purposes, provided the source is acknowledged.


text: Korean Job Discussion Forums :: View topic - Power adapter Speak Korean Now! Korean Job Discussion Forums"The Internet's Meeting Place for ESL/EFL Teachers from Around the World!" FAQ Search Memberlist Usergroups Register Profile Log in to check your private messages Log in Power adapter Korean Job Discussion Forums Forum Index -> Off-Topic Forum View previous topic :: View next topic Author Message white_shadowJoined: 28 Mar 2005 Posted: Sat Jun 11, 2005 9:08 pm Post subject: Power adapter Are there power adapters that fit US cell phones. No one told me that they were on a different grid. I don't know if the voltages differ. The manager at Samsung told me no, or he shook his head left to right numerous times. If there are adapters can someone point me in the right direction to get one (Seoul) Back to top kprrokJoined: 06 Apr 2004Location: KC Posted: Sat Jun 11, 2005 9:32 pm Post subject: Perhaps I'm just not understanding. You have a US cell phone that you need a power adaptor for? I assume for charging, right? Can you even use it here? As for an voltage converter, just go to any large store (ie. E-Mart) and they should have one. I saw one the other day for 35.000 but it is a bit hefty. KPRROK Back to top Display posts from previous: All Posts1 Day7 Days2 Weeks1 Month3 Months6 Months1 Year Oldest FirstNewest First Korean Job Discussion Forums Forum Index -> Off-Topic Forum All times are GMT - 8 Hours Page 1 of 1 Jump to: Select a forum Forums:----------------FAQJob-related Discussion ForumGeneral Discussion ForumOff-Topic ForumTravel ForumCurrent Events ForumTechnology ForumBuy/Sell/Trade Forum You cannot post new topics in this forumYou cannot reply to topics in this forumYou cannot edit your posts in this forumYou cannot delete your posts in this forumYou cannot vote in polls in this forum This page is maintained by the one and only Dave Sperling. Contact Dave's ESL Cafe Copyright © 2018 Dave Sperling. All Rights Reserved. Powered by phpBB © 2001, 2002 phpBB Group TEFL International Supports Dave's ESL Cafe


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Elegant Rockabilly High Heels for a flamboyant appearance!The pin up high heels are gorgeous ladies sandals and you conjure a distinctive high fashion look under your feet and thus make every step a true experience.The gorgeous high heels from Bordello are super fashionable scene in the Gothic and Rockabilly and a must in every female wardrobe.
The Rockabilly Heels impress with the design of black lace that decorated fashionable on the red Bordello hugs shoes.The satin heels have a hidden ca2.5 cm high plateau, and an approx. 14.5 cm high stiletto heel.In the front of the Rockabilly High Heels is a beautiful, red-black rose and the ankle is decorated by a Riemchenverschluss.The insole of the plateau high heels is padded for a comfortable fit.
Combined with the Polka Dot Petticoat black-red or Rockabilly dress with pencil skirt red-black see the Bordello high heels from just great.
- Heel height:14.5 cm
- Plateau: 2.5 cm
- Upper: satin fabric / top.
Please note:
- U.S. Size 6 = EU Size 36 = 23.5 cm
- U.S. size 7 = EU Size 37 = 24.1 cm
- U.S. size 8 = EU Size 38 = 24.8 cm
- U.S. size 9 = EU Size 39 = 25.4 cm


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Lasagna Cat is a project created by the folks at Fatal Farm, in which they act out Garfield comic strips. As you can see in this video, Jim Davis' work doesn't really translate well. (Maybe that's why those live-action movies sucked butt so bad?) Anyway, Lasagna Cat is just about the most awesome thing I've seen in a long time, and got hooked this weekend watching like every video of theirs. I suggest you do the same. You'll thank me later.
08/18/1978 [YouTube]


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As you get older, your body's nutritional needs change. These recommended products form the Herbalife Healthy Ageing range which are designed to help your body with key nutrients that contribute towards optimal health.
My weight had risen to 14st and I had trouble finding clothes to fit properly. My energy levels were really poor and I was no longer able to play any sport.
I got started on the Wellness Programme and the results were amazing! I lost over 50lbs. My energy levels returned and I lost 10 inches from my waist.
I now run and cycle at least 5 times a week now take all the Herbalife products as part of a healthy lifestyle and look forward to every day.
I've not looked and felt this good in over 20 years and I owe it all to the fantastic Herbalife products and the marvellous support from my personal wellness coach.*
Energy & Fitness
Energy Drinks
Protein Shakes
Protein Snacks
Sport Supplements
*All weight loss claims refer to the Herbalife Weight Management Programme which includes, amongst other things, a balanced diet, regular exercise, an adequate daily fluid intake and appropriate rest. The Herbalife products are not intended to diagnose, treat, cure or prevent any disease.
These materials were prepared by and are the responsibility of independent Herbalife distributors:
Buy Herbalife Online: Buy Herbalife Online - Weight Loss
Independent Herbalife Distributor: David Bevan, B.I.G. Marketing, Wigmore Hall, Wigmore Wood,, Wigmore Lane,, CT15 4WW 01304 832341, email@example.com


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Purescore is a just-for-fun purity test designed to find out how sexually pure you are ...or not as the case may be! Purescore works by asking a range of increasingly probing questions. You will then be ranked and given your very own 'purescore'. Purescore is completely anonymous and confidential, so go on ..."what's your purescore?"
PURESCORE, purescore, pure-score, pure score, purity test, sex test, purity, test, purity quiz, pure, score, sexual purity, sex, sexual, sexually, sexoo, purity, quiz, personality, personality test, flash, vector, what's your purescore?
If you are reading this, your browser probably cannot display frames. Better upgrade sharpish!
Links for crawlers:
purescore 24carrat logo
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Blog Archive
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- The Poynette Press VISITS the Orchard!
- Honeycrisp – A Midwest Discovery
- Recipe Sunday – Apple-Jalapeno Preserves and More ...
- A 'How To' Guide to Picking Your Own Pumpkin at La...
- Haralson – A Midwest Gem
- Limited Edition – Chocolate Chip Caramel Apples
- Tom the Tour Guide
- Recipe Sunday – Blueberry-Raspberry Streusel Muffins
- Savor & Sample Fest: South Central WI's Home Grow...
- Farm Fresh Recipes from Lapacek's Orchard
- State Quarters and Butterflies
- Recipe Sunday - Apple Salad with Blue Cheese Dressing
- Wolf River – One Apple a Pie
- Pear Pickin'
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- ▼ September (19)
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Sauce-Sational: An Experiment in Applesacue
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Popular Posts
The 2018 apple season started out with not the best weather – it rained and rained and rained some more. One afternoon on a whim, my mother...
The Northern Spy is a variety we're just finally starting to get a decent crop off. Northern Spy is an heirloom apple that characteristical...
The Crimson Crisp is another new variety in our shop this year. It seems to me that the majority of the people that sample them end up buyi...
For all current information on Lapacek's Orchard please visit our new website www.LapaceksOrchard.com Thank you all so much!
Since the orchard now has ground cherries, I wanted to share this easy jam recipe. Ground cherries are delicious as a raw fruit, but they ma...
We had our last Kids in the Garden session today. Before I tell you about it I'm going to share with your some recipe's we made: Cucu...
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Recipe Sunday – Blueberry-Raspberry Streusel Muffins
I'm so excited to share with you a recipe from our brand new cookbook, 'Farm Fresh Recipes from Lapacek's Orchard' which is available online at my etsy shop or when you come and visit our store.
I chose a recipe with Raspberries as one of the ingredients since our pick your own patch is just thriving right now and all I've heard from the pickers is amazement and deliciousness!
Blueberry-Raspberry Streusel Muffins
Diane Lapacek
1/4 c. all-purpose flour
2 T. butter, softened
2 T. sugar
2 T. finely chopped walnuts, optional
1 tsp. finely grated lemon peel
In a medium bowl, mix together the above ingredients until crumbly. Set aside.
2 c. all-purpose flour
2/3 c. sugar
2 tsp. baking powder
1/2 tsp. baking soda
1/2 tsp. salt
1/4 tsp. ground cinnamon
2 lg. eggs
1/2 c. oil
1 c. buttermilk (or 1 T. of vinegar and then fill the cup with milk)
2 T. grated lemon peel
3/4 c. fresh blueberries
3/4 c. fresh raspberries
Preheat oven to 400-degrees. Line a standard 12-cup muffin tin with paper liners. In a bowl, stir together the flour, sugar, baking powder, baking soda, salt and cinnamon. In a large bowl, beat the eggs with the oil. Add the buttermilk and lemon peel and whisk to combine. Add the dry ingredients to the wet and stir just to combine. (Batter will still be somewhat lumpy, do not over-mix). Gently fold in the blueberries and raspberries so the berries do not break open and pour into the prepared muffin tin. Crumble the streusel topping over the muffins and bake for about 20 minute, or until golden brown and a toothpick inserted into the center comes out clean. Let cool in the tins for 10 minutes, then remove and cool on wire racks.
***Next Cookbook***
We are thinking that our next cookbook is going to be something like 'From Scratch'. We feel that the art of cooking and baking from scratch has been lost somewhat and we don't want all those fabulous recipes to get lost along the way. So, give your grandparents, mothers or self a call and send us your favorite recipes that you make 'from scratch'.
1 comments:
- quiltingfrenzy said...
I just had to become a follower of your blog, your receipes always sound so delicious. I need to try the blueberry/raspberry muffins since those two are my husband's favorites.
- September 22, 2009 at 7:42 AM


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- Chemical poisoning --
- Introduction
- Symptoms
- Diagnosis
- Misdiagnosis
- Causes
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Have a symptom?
See what questions
a doctor would ask.
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a doctor would ask.
The list of complications that have been mentioned in various sources for Chemical poisoning -- Bromethalin includes:
See also the symptoms of Chemical poisoning -- Bromethalin and Chemical poisoning -- Bromethalin: Introduction.
You may also want to research other symptoms in our Symptoms Center.
Complications of Chemical poisoning -- Bromethalin are secondary conditions, symptoms, or other disorders that are caused by Chemical poisoning -- Bromethalin. In many cases the distinction between symptoms of Chemical poisoning -- Bromethalin and complications of Chemical poisoning -- Bromethalin is unclear or arbitrary.
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Kutchi Embroidery Dress Material (KD0347)
Kutchi embroidery dress material made of Pure Glazed Cotton (Glaze cotton is a high quality polished cotton, it is durable and looks like Silk Fabric). Salwar length: 2.5 meters, Kurta length: 2.5 meters, Dupatta length: 2.5 meters. Handwash.
Kurta is machine embroidered in traditional pattern, while Salwar is of tie-and-dye Bandhani technique handmade.
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- Sangeeta Shokeen
Got d saree just now n lemme tell u its amazing, very pretty..looking forward to order sum more :-)
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Search Constraints
You searched for: Author University of Michigan. China Data Center Remove constraint Author: University of Michigan. China Data Center Format Shapefile Remove constraint Format: Shapefile Subject Boundaries Remove constraint Subject: Boundaries Subject Sex ratio Remove constraint Subject: Sex ratio Subject Labor supply Remove constraint Subject: Labor supply Subject Economy Remove constraint Subject: Economy Place China Remove constraint Place: China Data type Polygon Remove constraint Data type: Polygon Year 1982 Remove constraint Year: 1982
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1. Population by County, Census: China, 1982
1982. China. Guo jia tong ji ju, Beijing Hua tong ren shi chang xin xi you xian ze ren gong si, and University of Michigan. China Data Center. This polygon dataset represents county boundaries and population data in China from the 1982 Census. These data were primarily based on "China Map ... University of Michigan. China Data Center.


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In the Matter of
ORDER INSTITUTING ADMINISTRATIVE AND CEASE-AND-DESIST PROCEEDINGS, MAKING FINDINGS, AND IMPOSING REMEDIAL SANCTIONS AND A CEASE-AND-DESIST ORDER PURSUANT TO SECTION 8A OF THE SECURITIES ACT OF 1933 AND SECTION 15(b) OF THE SECURITIES EXCHANGE ACT OF 1934.
The Securities and Exchange Commission ("Commission") deems it appropriate and in the public interest that public administrative and cease-and-desist proceedings be, and hereby are, instituted pursuant to Section 8A of the Securities Act of 1933 ("Securities Act") and Section 15(b) of the Securities Exchange Act of 1934 ("Exchange Act") against First Command Financial Planning, Inc. ("First Command" or "Respondent").
In anticipation of the institution of these proceedings, First Command has submitted an Offer of Settlement (the "Offer"), which the Commission has determined to accept. Solely for the purpose of these proceedings and any other proceedings brought by or on behalf of the Commission, or to which the Commission is a party, and without admitting or denying the findings herein, except as to the Commission's jurisdiction over it and the subject matter of these proceedings, First Command consents to the entry of this Order Instituting Administrative and Cease-and-Desist Proceedings, Making Findings, and Imposing Remedial Sanctions and a Cease-and-Desist Order Pursuant to Section 8A of the Securities Act of 1933 and Section 15(b) of the Securities Exchange Act of 1934 ("Order"), as set forth below.
On the basis of this Order and First Command's Offer, the Commission finds that:
1. First Command is a registered broker-dealer, with its principal offices in Fort Worth, Texas. It employs approximately 1,000 registered representatives/agents ("agents") through approximately 200 branch offices throughout the United States and in Germany, England, the Netherlands, Spain, Italy, Guam, and Japan. First Command claims to be "[t]he #1 independent provider of financial plans to the professional military family," and currently has over 297,000 "military families" as customers, including 40% of the current active-duty general officers, one-third of the commissioned officers, and 16% of the non-commissioned officers in the United States military. The great majority of the firm's agents are former commissioned or non-commissioned military officers.
2. This matter involves violations of the federal securities laws by First Command in its use of sales materials to offer and sell mutual-fund investments through an installment method known as a "contractual" or "systematic investment plan" ("systematic plan").1 The systematic plans allow investors to accumulate shares of a specified mutual fund indirectly by contributing fixed monthly payments-typically 180 payments ranging from $100 to $500-over a period of at least 15 years. Systematic plans, including the plans offered and sold by First Command, are subject to a sales charge unique to such plans, often referred to as a "sales and creation charge" or "front end load," that equals 50% of the plan's first 12 monthly payments. There is no front-end sales load after the first 12 payments. From January 1999 through March 2004, First Command received approximately $175 million in front-end sales-load revenue from the sale of systematic plans, which accounted for approximately 70% of its revenue.2
3. Since at least January 1999, First Command, using a structured sales process, has offered and sold systematic plans by, in part, making misleading statements and omissions concerning, among other things: (a) comparisons between the systematic plan and other mutual fund investments; (b) the availability of the Thrift Savings Plan ("TSP"),3 which offers military investors many of the features of a systematic plan at lower costs; and (c) the efficacy of the front-end sales load in ensuring that investors remain committed to the systematic plan. As a result, First Command violated Section 17(a)(2) of the Securities Act.
4. First Command markets a comprehensive package of financial services called a "Family Financial Plan" ("FFP") that includes investment products, banking, and insurance offered through First Command, its affiliated bank, and its affiliated insurance agency. The firm's website states that the FFP is "a personalized road map for your journey in pursuit of financial success, encompassing not only the products you have acquired through your First Command representative, but also assets like 401(k) accounts and military retirement income." The site further states that the company maintains a close, but independent, relationship with many "giants of the financial industry," which allows the firm "to provide [the customer] with an objective analysis of [the customer's] situation and to make an independent recommendation for specific products." First Command represents to its customers that the FFP is tailored to the specific needs of the customer based, in part, on a "Confidential Checklist" of personal financial information completed by the customer and the agent. In the usual case, First Command recommends that the customer purchase a life-insurance policy from one of several insurance companies through the firm's insurance agency, open an account at the firm's bank, and purchase mutual funds through one or more of First Command's systematic plans offered by four mutual funds groups.
5. The sale of systematic plans to military personnel has historically constituted 70% of First Command's mutual-fund business. Since 1970, First Command customers have invested approximately $10.1 billion in mutual funds-of this amount, approximately $7.4 billion has been invested through systematic plans. First Command sells five systematic plans, which, in turn, make purchases from one of five different mutual funds.4 Under these systematic plans, the investor is to pay 180 fixed monthly installments (15 years), which may be extended to 300 payments (25 years) at the investor's option with no additional sales charge. First Command customers pay a front-end sales load equal to 50% of the first 12 payments, but thereafter pay no additional front-end sales load for the life of the plan.5 This sales load is received by First Command, which, in turn shares the commission with the selling agent. Assuming a fixed monthly payment of $100, a systematic-plan investor would pay a total of $1200 in the first 12 months. Of this amount, $600 would pay the 50% sales load and $600 would purchase an indirect interest in mutual-fund shares. As required by Section 27 of the Investment Company Act, the systematic plans also permit the purchaser to terminate within the first 45 days, with no sales charge, and within the first 18 months, with a maximum charge of 15%.
6. After an investor completes the first 12 payments, the effective sales load is reduced with each payment. If all 180 payments are made under the plan, the effective sales load on the total investment is 3.33%. If 300 payments are made, then the sales load on the total investment is 2%. Conversely, if the investor ceases making payments or terminates the plan before making all of the required payments under the plan, the effective total sales load may be higher than the average sales load charged by a conventional load mutual fund. According to Lipper Inc., the average load charged by a conventional load equity mutual fund in 2003 was approximately 5.2%.
7. The following chart illustrates the effective sales load on the total investment at various discontinuation points:
Contributions Discontinued after:
Sales Load as a Percentage of Amount Invested:
12 payments
18 payments
24 payments
60 payments
120 payments
180 payments
300 payments
8. Historically, the majority of First Command customers have not completed the systematic plan within the 15-year period. For example, for all First Command systematic plans sold between 1980 through 1987, only 43% of the plans had actually received payments totaling at least the original face amount of the plan (i.e., 180 monthly payments times the original monthly payment commitment) as of June 17, 2004. Simply put, only 43% of the plans were completed during that time period.6
9. First Command sells systematic plans to commissioned and non-commissioned officers of the U.S. military who are of grade E-6 and above.7 A typical new customer of the firm is approximately 25 years old, has limited savings, and is an inexperienced investor. First Command markets its FFP and systematic plans through a structured sales process that utilizes sales scripts prepared by First Command. The sales scripts include hypothetical dialogues between a First Command agent and a military couple, "Ed and Geri Baker." In addition, the scripts contain instructions to the sales agents on how to present the plans, as well as illustrative sales charts. All First Command agents are required to follow the key points in the sales scripts and are evaluated on the degree to which they make these points in their presentation.
10. The sales process with prospective customers includes (i) an introduction seminar; (ii) a one-on-one initial meeting with a First Command agent;8 (iii) the preparation of the prospective customer's FFP; and (iv) the presentation of the FFP. One of the goals of the sales process is to present the systematic plan as the military customer's best investment option for long-term wealth accumulation.
11. The sales process begins at one of approximately 700 voluntary sales seminars conducted in proximity to military installations throughout the world each year. First Command relies heavily on "word-of-mouth" advertising and referrals to generate interest in the seminars. The seminar consists of a multi-media presentation with scripted live narration. The presentation includes testimonials from current customers and evokes themes of patriotism, loyalty, discipline, and duty. No specific investment products, including the systematic plan, are offered at the seminars. Instead, the seminars are designed to introduce prospective customers to, among other things, the variety of services offered by First Command, certain investment concepts such as the need for a financial plan, the need for long-term financial and investment goals, and the benefits of dollar-cost averaging. Seminar attendees are encouraged to make an appointment with a First Command agent to develop their own personal "custom made" FFP.
12. Before discussing the specifics of the systematic plan, including any mention of the plan's upfront sales load, the sales script for the initial meeting discusses the benefits of dollar-cost averaging and claims that "out of the thousands of funds" you can invest in, the firm's five systematic plans are the "only five mutual funds that are designed to attract only dollar cost average investors." The script then introduces a continuing theme that no-load funds attract only "speculators," which prevents a no-load fund manager from having predictable cash flow and from making purchases for the fund at opportune times.9 At this point in the script, the agent is required to ask what is referred to in the accompanying instructions as a "trial closing" question:
Agent: . . . Would you prefer one of these funds that were designed exclusively for dollar cost averagers or some other type of mutual fund?"
Ed: Definitely one of those five!
13. After attempting to obtain the prospective customer's commitment to dollar cost average in a systematic plan, the script compares systematic plans to other mutual-fund investments in the following exchange:
Agent: . . . There are three categories of funds. First, there are the no-load funds which are popular among short-term traders and speculators. Ed, do you think "no-load" means "free"?
Ed: No.
Agent: Of course not. In fact, no-load funds frequently have some of the highest long-term costs. Next, there are load funds. These funds are generally used for large lump sum investments and are sold through investment professionals who manage many of the larger private accounts in the country. Finally, there are the systematic plans. These are designed for dollar cost averagers and used by dollar cost averagers exclusively.10
14. The sales script also makes claims about the differences in "stable cash flow" among the three types of mutual funds. The agent is instructed to use a sales chart that, for the period December 1986 through December 2001, reflects the monthly net cash flow of "no/low-load" funds to be 4.7 times as volatile as that of a systematic plan. The same chart shows that the cash flow in load funds was 2.6 times as volatile as systematic plans during the same period.11 The script then lays the blame for the cash volatility of no-load and load funds on speculators, claiming "the speculator causes these high fluctuations in cash flow." At this point, the script first mentions the 50% upfront sales load. The script characterizes the load as "pre-paying the sales charges you would otherwise pay over the life of your investment" and claims that the load serves as "a wall to keep out the short-term speculators." The accompanying instructions to the script state that this portion of the script is designed "to let the customer come to the conclusion that the only way to keep out speculators is the systematic plan load structure." (Emphasis added.) The instructions also advise the agent:
Do not dance around the concept of charging a front-load. Be candid with the customer. Inform them of its purpose and stand behind the concept. It works, and is the only way that a fund manager can ensure that most of the shareholders are committed, long-term investors. Remember, the front-load creates the stable cash flow that the systematics enjoy. Help the customer understand and embrace the idea. Focus on the cost-effectiveness of a long-term investment.
15. The initial meeting sales script concludes with a discussion of "another significant benefit of the systematic plan"-the average length of time an investor dollar remains invested in a systematic plan. According to a First Command sales chart used in the sales presentation, from December 1986 through December 2001, the average time an invested dollar remained in a systematic plan was 14.4 years, versus 2.6 years for no/low load funds and 3.1 years for load funds. The script's instructions further claim "this section is where the investment is actually 'sold.' This is where you ask for commitment. Reinforce the advantages of the systematic plan and then ask the closing question: Ed and Geri, with these advantages, is this the type of investment plan you want for your family?"
16. After the prospective customer expresses an interest in receiving a FFP with a systematic plan, the agent completes a financial-data form using First Command's proprietary planning software and electronically transmits the information, together with insurance, banking and specific systematic plan recommendations, to district and regional supervisors who pass the information on to First Command's headquarters in Fort Worth. First Command's written policies advise its agents to recommend systematic plans in every customer's FFP "when the customer has adequate monthly dollars to invest, there is no foreseeable interruption to regular investing, and a sufficient investment time horizon [of at least 15 years] exists to achieve desired objectives." Further, most investors are encouraged to invest in a systematic plan through a Roth IRA and to contribute the maximum amount allowable each year.12 Once the agent's recommendation reaches headquarters, the customer's information is reviewed and a detailed FFP is prepared. At the end of the process, a glossy FFP is sent back to the agent to present to the customer and close the sale.13
17. During the FFP presentation, the agent provides the customer the FFP together with applications for the recommended systematic plans and briefly reviews the related underlying mutual-fund prospectuses, which are also given to the customers. The FFP presentation script contains many of the same statements in the initial meeting script, including: that systematic plans are "designed exclusively for dollar cost averagers;" that no-load funds attract "speculators;" and that the first year load is "a barrier... designed to keep out speculators." The closing script also contains the following exchange should a prospective customer ask, "But couldn't we dollar cost average into a no-load fund?"
Agent: You could, but Ed, how long, on average, do assets remain in a no-load?
(Agent is instructed to point to Holding Period chart)
Ed: 2.6 years
Agent: If the average no load investor withdraws their money from the fund after only 2.6 years, is the fund manager buying or selling stock?
Ed: Selling.
18. The FFP presentation script contains other responses to objections and other trial closing questions. The prospective customers who do not ultimately purchase a systematic plan, citing a preference for no-load funds, are referred to in the agent training materials as "no loaders." Agents are warned not to allow these individuals to discuss First Command with any referrals they may generate as it would be "like voluntarily spreading a cancer in your market."
19. The First Command sales scripts make several misleading comparisons to both no-load and non-systematic plan load funds. First, by characterizing no-load funds as funds that "attract only speculators," repeatedly referring to no-load funds as "popular" among speculators, and blaming speculators for the purported high cash volatility in no-load funds, the sales scripts give the erroneous impression that no-load funds attract only speculative investors and that the transactions of these speculative investors prevent the no-load fund manager from making opportune investments. This message is reinforced by the scripts' characterization of First Command's systematic plans as the "only five mutual funds that are designed to attract only dollar cost average investors." In fact, a substantial number of no-load mutual funds successfully employ a dollar-cost-averaging strategy and permit investors to make monthly periodic investments in relatively small amounts. While the First Command sales agent is instructed to acknowledge the availability of dollar-cost averaging in other mutual funds-should the investor first ask the question-the rejoinder in the initial-meeting script states incorrectly that, because an average no-load fund investor withdraws his investment every 2.6 years, the fund manager is forced to sell stocks. In reality, fund managers are not necessarily forced to sell stocks when investors redeem shares. They must do so only when there are net redemptions in the fund, and then only if the fund does not have sufficient cash on hand or cannot draw on a credit facility to meet redemptions.
20. Moreover, the initial-meeting script states that no-load funds "frequently have some of the highest long-term costs." In reality, the long-term costs of owning no-load funds are, on average, substantially lower than the costs of owning load funds.14 Moreover, the no-load investment index funds offered by the TSP have substantially lower net expense ratios than the average no-load fund and the systematic plans sold by First Command.15 Further, the claim that no-load funds frequently have some of the highest long-term costs fails to account for the impact of the 50% upfront sales load on the long-term costs of systematic plans, both in terms of the actual costs and the lost opportunity costs in terms of the overall return.
21. The initial-meeting script also states that load funds are "generally used for large lump sum investments and are sold through investment professionals who manage many of the larger private accounts in the country." In fact, many conventional load funds and no-load funds offer services in which investors may make monthly contributions as low as $50 per month. These services, known as "automatic investment programs," "asset builders," or "account builders," allow investors to purchase shares on a regular basis, including, for example, by electronically transferring money from a bank account or paycheck. Unlike the systematic plans at issue here, these services allow investors to purchase shares directly from the mutual fund. Most mutual funds do not charge a fee for setting up or terminating these services.
22. The scripts and "cash-flow" and "holding-period" charts convey the message that empirical data support the claim that no-load funds have nearly five times the cash-flow "volatility" as systematic plans and that the average no-load investor withdraws his cash from a no-load fund every 2.6 years. These statements, and the statement that no-load funds "have some of the highest long term costs," clearly imply that the systematic plans will perform better than other funds over the long term. However, there is no empirical evidence to support the inference that systematic plans will outperform other funds due to low "cash-flow volatility." Further, while the cash-flow chart depicts a 15-year period, internal First Command cash-flow volatility studies show a substantially smaller variation in volatility among the three categories of investments when shorter time periods are used, such as five and 10 years.16
23. Finally, the cash-flow and holding-period charts note that the source of the data for no-load funds and load funds is the Investment Company Institute ("ICI").17 In fact, although First Command obtained the cash-flow and holding-period data from the ICI, First Command-not the ICI-produced the reports and made the calculations reflected in the charts. Moreover, the script refers to the holding-period chart as demonstrating that the average no-load investor withdraws his money after only 2.6 years. But the ICI data First Command used to prepare the chart warned that the data "cannot be used to measure the holding period for the typical fund investor." (Emphasis added.) In fact, according to the ICI warning, "a small number of shareholders can and likely do generate a disproportionate percentage of the total redemptions, thereby masking the activity of the typical investor."18
24. First Command claims its "objective" recommendations in the FFP will encompass not only investment products sold by First Command, but also "assets like 401(k) accounts . . . ." Moreover, as noted above, in discussing the types of available investment funds, the script states there are only three categories of funds: no-load funds, load funds, and systematic plans. The script further characterizes no-load funds as popular among short-term traders and speculators. In fact, the TSP, which is the equivalent of a 401(k) account, provides another category of investment funds available to military personnel. The TSP investment funds have many of the same investment characteristics as no-load mutual funds and systematic plans. For example, the TSP funds are designed for long-term investors and each fund permits investors to make periodic payments in a dollar-cost-averaging strategy. However, unlike systematic plans, the TSP funds do not charge a sales load.
25. First Command mischaracterizes the upfront sales load as the only way a fund manager can ensure that most of the shareholders are committed, long-term investors. Indeed, First Command sales data reflect that the high upfront sales charge has not "worked" to keep most systematic plan investors committed to the plan for the full 180 payment (15-year) period. Of all systematic plans sold from 1980 through 1987, only 43% had actually received payments totaling at least the original face amount of the plan (i.e., 180 monthly payments times the original monthly payment commitment) as of June 17, 2004. As previously noted, 35% of the plans had been terminated and 22% were either active or inactive.
26. Section 17(a)(2) of the Securities Act provides that it is "unlawful for any person in the offer or sale of any securities . . . by the use of any means or instruments of transportation or communication in interstate commerce or by use of the mails, directly or indirectly . . . to obtain money or property by means of any untrue statement of a material fact or any omission to state a material fact necessary in order to make the statements made, in light of the circumstances under which they made, not misleading." A broker for non-discretionary accounts, such as First Command, "is obliged to give honest and complete information when recommending a purchase or sale." DeKwiatkowski v. Bear Stearns & Co., 306 F. 3d 1293, 1302 (2d Cir. 2002). The Commission does not have to show scienter to establish a violation of Section 17(a)(2) of the Securities Act. Aaron v. SEC, 446 U.S. 680, 697 (1980). "The Commission can establish a violation of Section 17(a)(2) . . . by showing merely that the [statement] was materially false and misleading and that defendants negligently caused those misrepresentations or omissions." SEC v. Solucorp Indus. Ltd., 274 F. Supp.2d 379, 419 (S.D.N.Y. 2003) (quoting SEC v. Scott, 565 F. Supp. 1513, 1525-26 (S.D.N.Y. 1983)).
27. First Command violated Section 17(a)(2) of the Securities Act by making materially misleading statements and omissions concerning, among other things, (a) comparisons between the systematic plan and other mutual fund investments; (b) the availability of the TSP to military investors; and (c) the efficacy of the upfront sales load in ensuring that investors remained committed to the systematic plan.
28. As a result of the conduct described above, First Command willfully violated Section 17(a)(2) of the Securities Act.19
29. In anticipation of the institution of these proceedings and a related disciplinary action by the NASD alleging, among other things, misleading sales practices in connection with sales of systematic plans, First Command has submitted a Letter of Acceptance, Waiver, and Consent ("AWC") to the NASD to settle the related disciplinary action. First Command has agreed to undertake certain remedial and corrective measures, as follows:
In determining whether to accept First Command's Offer, the Commission has considered the related NASD action and the remedial actions that First Command has agreed to undertake as described herein.
In view of the foregoing, the Commission deems it appropriate, and in the public interest to impose the sanctions agreed to in First Command's Offer.
Accordingly, pursuant to Section 8A of the Securities Act and Section 15(b) of the Exchange Act, it is hereby ORDERED that:
A. First Command is censured;
B. First Command cease and desist from committing or causing any violations and any future violations of Section 17(a)(2) of the Securities Act;
C. First Command shall pay disgorgement and prejudgment interest, which obligation shall be satisfied by compliance with the customer-restitution and investor-education program described in Paragraph 29. a., above, and more fully set forth in the AWC in the related NASD disciplinary action; and
D. Not later than six months after the date of the Order, unless otherwise extended by the staff of the Commission for good cause shown, First Command's chief executive officer shall certify in writing to the staff of the Commission that First Command has made the payments for customer restitution and investor education described in Paragraph 29. a., above, and that it has taken all necessary and appropriate steps to adopt and implement all recommendations and proposals of the Independent Consultant.
By the Commission.
Jonathan G. Katz
"Ed, if a fund manager had attracted only speculators to his fund, would that fund manager be able to purchase shares of stock or would he be forced to sell?"
Ed: "He would be forced to sell."
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Modified: 10/15/2004


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(MONROVIA, LIBERIA – Tuesday, March 4, 2014) The President of Savannah State University, Georgia, in the United States, has offered to form a partnership and collaboration with the University of Liberia in getting UL back to its pre-war status when it competed with world-class universities.
According to an Executive Mansion release, SSU President, Cheryl Dozier, made the offer during a courtesy call to President Ellen Johnson Sirleaf on Tuesday, March 4, and said it was in support of President Sirleaf's courage to see a revamped and quality education, and her institution stood ready to support the cause.
SSU, said Madam Dozier, was willing to provide textbooks and enter into a student/faculty exchange program with UL and other institutions of higher learning. Savannah State, the only university awarding a degree in Homeland Security, was interested in extending its program by working with UL to see how the academic program can help Liberia with its ports of entry for the security of its border, with security being a global issue.
Coming to Liberia to form a partnership with the University of Liberia was like coming home, she said, since Liberia and the State of Georgia have a rich black history in common regarding the emancipation of former slaves.
Founded in 1890 by Richard R. Wright, Sr., who was born into slavery, Savannah State University is the oldest public historically black college in Georgia.
Responding, President Sirleaf said she was grateful and honored that SSU would see Liberia as a home and, at the same time, announce the formation of a partnership with Liberia's flagship tertiary institution. She said the historical connection with the United States was clear, as evident by the continuous support from past and current U.S. administrations and the Congress which has, over the years, made the United States Liberia's number one bilateral partner. She expressed hope that the partnership will also encourage people-to-people outreach and increase the student/staff exchange.
The President hailed UL's President, Dr. Emmet A. Dennis, for being an ambassador in government's quest to restore quality education in Liberia, especially at the tertiary level, describing him as bridge builder between overseas and Liberian universities.
President Sirleaf briefed the visiting delegation about government's development plans and actions in infrastructure development, naming roads, water and electricity. Plans being concluded will see roads, water and electricity projects either rehabilitated or restored, to attract visitors to beautiful tourist sites like Lake Piso, in Grand Cape Mount County.
In his comments, Dr. Dennis expressed satisfaction that his efforts to resuscitate the University of Liberia were gaining momentum, and he praised President Sirleaf's administration for the support in realizing the dream. He paid tribute to Liberia's Honorary Consul General, Madam Cynthia Nash, for making contact possible with several U.S. universities.
Dr. Dennis named Marine Engineering, Social Work and the Criminal Justice System as areas earmarked by the partnership. Such a partnership could help elevate the National Police Training Academy to an Associate Degree-granting institution, a plan that has already been initiated between UL and the Liberia National Police.


text: Summer Box Office Pileup: What Each Studio Has at Stake 5:00 AM PDT 5/22/2013 by Pamela McClintock , Kim Masters FACEBOOK TWITTER EMAIL ME Summer Box Office Studio Stakes - H 2013 Jampacked release calendars and executive intrigue make for an especially stressful blockbuster season as the $200 million gambles begin rolling out. A version of this story first appeared in the May 31 issue of The Hollywood Reporter magazine. With U.S. ticket sales already down 11 percent this year and the number of big-budget movies sharply up, summer 2013 is turning into a nail-biter for Hollywood. Volatile political situations at several studios are making matters worse for top executives. The Hollywood Reporter breaks down the major risks for each studio and the executives who will be sweating in their corner offices. SONY Sony Pictures' parent has denied that the division is for sale, but activist shareholder Daniel Loeb now is pushing the company to spin off its entertainment assets. Amid the pressure on studio chiefs Michael Lynton and Amy Pascal, Sony will release seven big films this summer, tops in Hollywood. After Earth, a sci-fi epic from M. Night Shyamalan starring Will Smith and son Jaden, enters a crowded market May 31. Competitors believe it might have trouble matching the $37.1? million domestic bow of April's similarly apocalyptic Oblivion, which featured Tom Cruise. But no one should underestimate Smith's star power. His Men in Black ?3 grossed $624?million worldwide for Sony last summer, though it cost too much (in fact, a blistering New York Times piece May 18 pegged Sony's overall profit margin at a slim 6.5 percent). Other risks include White House Down, which follows the similarly themed Olympus Has Fallen ($132.5 million in March). Still, it's director Roland Emmerich in his wheelhouse (his last outing, 2012, grossed $769 million worldwide), and it stars Channing Tatum and Jamie Foxx. On July 12 comes Grown-Ups 2, a follow-up to a comedy that grossed $271.4 ?million in 2010 but now must compete with mega-budgeted Pacific Rim from Warner Bros. July also brings The Smurfs 2 (one of many animated films in the game this summer, but the last one was a sleeper hit that grossed $563 million worldwide). A big question mark is Matt Damon's Elysium, another sci-fi bet in August, from District 9 filmmaker Neill Blomkamp. PHOTOS: To Boldly Go: 15 Key 'Star Trek' Moments WARNER BROS. Film chief Jeff Robinov needs to preside over a strong summer to quell speculation about his future following the elevation of Kevin Tsujihara to the top job. Having stumbled at the beginning of the year with Gangster Squad and Jack the Giant Slayer, he must have been relieved when the risky Great Gatsby performed. The Hangover Part III probably is critic-proof but faces a strong Memorial Day rival in Universal's Fast & Furious 6, pursuing the same young male audience. And the movie could be harmed if word-of-mouth is not good. "The second, third and fourth weekend could turn out to be what matters," says Warners distribution chief Dan Fellman. Buzz is good on the studio's biggest bet of the summer, Man of Steel (June 14), which should successfully reboot the Superman franchise. Riskier is Guillermo del Toro's robots vs. monsters epic Pacific Rim in July, but Warners only has a 25 percent stake in the film. Its main financier, Legendary Pictures, is the bigger question. Founder Thomas Tull has made no secret that he is looking for a new home, possibly Universal, and if his company takes a hit, his mood isn't likely to improve. Warners also is high on the July 19 horror film The Conjuring from its New Line division, which would be a boost to New Line leader Toby Emmerich after the underperforming Jack and The Incredible Burt Wonderstone earlier this year. PARAMOUNT J.J. Abrams' Star Trek Into Darkness is underwhelming domestically ($83.7 ?million and counting) but performing far better overseas, which was one of Paramount's objectives with the second installment of the rebooted franchise. The big remaining question mark is the troubled Brad Pitt zombie film, World War Z, which opens only one week after Man of Steel, on June 21. The studio financed extensive reshoots -- or, rather, shoots, since the third act was entirely reconceived -- and executives have been in overdrive trying to reverse negative buzz. Paramount had an arid summer last year, but its known for managing its numbers well, and that keeps Viacom president and CEO Philippe Dauman happy, so it might not matter whether the studio has pulled WWZ out of the fire. PHOTOS: 'Iron Man 3' Tour: Robert Downey Jr. Travels the World UNIVERSAL Fast & Furious 6 looks poised to deliver. (But can it match Fast Five's $626.1 million in such a crowded market?) Chiefs Adam Fogelson and Donna Langley have turned in an improved performance in recent months, with such hits as the horror movie Mama and the comedy Identity Thief. Despicable Me 2 (July 3) seems like a sure thing despite the abundance of animated fare this summer. But RIPD, a supernatural action movie with Ryan Reynolds, has some joking that it should drop the "D" from the title. Sources say bosses at Comcast expect this film to lead to a loss. While the parent seemed to be shopping openly for new management for the studio in the past year, perhaps that moment has passed. Things are going better, and NBCUni CEO Steve Burke may be too absorbed in issues with NBC to turn his attention to the movie business, which is alien turf to him. DISNEY What exactly is the budget of The Lone Ranger? Disney chairman Robert Iger personally intervened to lower the cost of the Johnny Depp Western from $250 million to $215 million. Now that original figure is believed to be a distant memory as the Gore Verbinski-directed film heads for a July 3 release up against Despicable Me 2, which could siphon off families. But Disney is raking in Iron Man 3 money ($1 billion and counting worldwide), and Ranger was greenlighted before Disney chief Alan Horn took the job. The good news is that a new trailer looks fun, prompting a veteran producer with no ties to the studio or the project to declare: "The Disney marketing turbine is very powerful, so my bet is that it's a hit." Disney also has Pixar's Monsters University on June 21, and while the footage shown at Cinemacon didn't wow theater owners, the Pixar brand is as safe a bet as they come. FOX Sandra Bullock and Melissa McCarthy's cop comedy The Heat, directed by Paul Feig (Bridesmaids), could be something for the hungry female audience, and ladies will probably go with the guys to see Hugh Jackman reprise a signature role in The Wolverine in July. But first, Fox's animated Epic also could open north of $40 ?million over Memorial Day weekend, and it has the kid market to itself until June 21. Then all hell breaks loose. "It used to be two animated films a summer. Then there were three or four. This summer, there are six. It's too many," says one exec. Fox also will release Turbo, the latest from DreamWorks Animation, in July. These are films that were put into the pipeline when studio chief Jim Gianopulos was still teamed with the now-departed Tom Rothman. The assumption is that Gianopulos will either add or be paired with another hands-on creative executive before another summer rolls around. Email: firstname.lastname@example.com, firstname.lastname@example.com FACEBOOK TWITTER EMAIL ME Pamela McClintock email@example.com @thr Kim Masters firstname.lastname@example.com @thr


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Jason Hess & Spinning Yarns Exhibitions
|January 29 - March 3, 2013
|Martin Museum of Art Hooper-Schaefer Fines Arts Center
|Gallery I at the Martin Museum of Art at Baylor University will host a ceramic exhibition by artist Jason Hess entitled New Work. After receiving his MFA degree from Utah State University, Hess became a professional ceramic artist and a professor at Northern Arizona University. His wood fired pieces are utilitarianin form and reflect fifteen years of researching the alchemy of the process. Hess has been featured in over 125 exhibitions and has participated in residences at The Pottery Workshop in Jingdezhein, China, and the Archie Bray Foundation, in Montana. A reception for the artist and gallery talk will be held January 29, 5:30 7:00pm in the museum.
Gallery II will feature a group photography exhibition comprised of 23 artists entitled Spinning Yarns. As visual storytellers, the artists utilize aspects of open narrative to address their personal experiences, beliefs, and imagination to the viewer. By layering visual information within their art, the artists build a sense of anticipation for the audience. The beauty of storytelling is that the photograph often becomes what the viewer wants it to become. The museum will host a gallery talk on February 21, 5:30 7:00pm.
The Martin Museum of Art is located in the Hooper-Schaefer Fine Arts Center on the Baylor University campus. HOURS for this exhibition are 10am-6pm Tuesday, Wednesday, and Friday. 10am-7:30pm on Thursday. 10am-4pm on Saturday. 1-4pm on Sunday. The museum is closed during university holidays. Admission is free and all events are open to the public, unless specified. For more information call 254-710-1867 or visit the museum website at www.baylor.edu/martinmuseum.
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From 2001 to 2013, college enrollment in the US increased rapidly. Young people delayed the full-time work portion of their lives, ostensibly to seek skills for an evolving set of jobs. Trends since 2014, however, suggest that the increase in education is not an entirely structural change. Over the past few years, a tighter labor market has been leading more young people to full-time work, suggesting that a weak labor market, rather than simply concern over a changing set of jobs, was pushing some young people to enroll from 2001 to 2013.
The Current Population Survey shows that from 1994 to 2001 young people were increasingly taking full-time jobs. By March 2001, an annual average of 40.5 percent of people age 19 to 21, and 61.5 percent of people age 22 to 24, were employed full-time. Following the recession of 2001, the trend reversed completely. By March 2013, an annual average of only 23.3 percent of those age 19 to 21, and 46.0 percent of those age 22 to 24, had full-time jobs (figure below).
While data show a long-term decrease in full-time employment among younger people, the same data also show two signs that a weak labor market plays a role. First, the full-time employed share of both age groups has increased steadily since 2014. As of the year ending in June 2018, 28.3 percent of those age 19 to 21, and 52.6 percent of those age 22 to 24, are employed full-time.
Second, if education were driving the change in youth employment then summer youth employment would increase relative to school year employment. Since most US schools offer students a summer break, the share of young people employed full-time during June, July, and August is much higher than at any other point during the year. If young people are opting for school because of abundant attractive new jobs, then summer break might provide an increasing chance for full-time employment for those in school during the rest of the year. However, summer full-time employment has actually fallen relative to school year employment, suggesting the opposite, that young people are having a harder time obtaining summer jobs compared to the period from the mid-1990s through 2001.
The weak labor market therefore plays a role in encouraging school enrollment; those who are able to do so can wait out a poor set of job opportunities while gaining new skills. It's important to note, however, that the tighter labor market since 2014 seems to have slowed, but not reversed, the previously rapidly increasing share of young people who are not in the labor force, and do not want a job, because they are enrolled in school (figure below).
In 1994, for about half of those age 19 to 21 who are not in the labor force (meaning they are not employed and have not been looking for work) the reason was school enrollment. The rest are often staying home to take care of family, disabled and unable to work, or sometimes believe that there is no job available. Since then, school enrollment has rapidly increased labor market nonparticipation. By the year ending in June 2018, more than two-thirds of nonparticipation is due to school enrollment. Among those age 22 to 24, the rate climbs from about one-third in 1994 to about one-half in the latest year of data. School-related nonparticipation growth among the slightly older cohort has largely stalled since 2013, while growth has slowed some among the younger group.
To sum up, much of the overall drop in full-time employment among young people comes from school enrollment. At least some portion of school enrollment was motivated by the particularly poor quality of the labor market during the years from 2001 to 2013, with students hoping to emerge from school with skills that make them more competitive, and at a time when job applicants have more bargaining power. It remains to be seen whether the labor market will continue to tighten and how full-time employment and school enrollment will respond among younger people.


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Today in History
Today is Monday, Feb. 24, the 55th day of 2014. There are 310 days left in the year.
Today's Highlight in History:
On Feb. 24, 1864, according to the National Park Service, the first Union prisoners arrived at the Confederates' Andersonville prison camp in Georgia. During its 14 months of existence, the overcrowded camp ended up holding some 45,000 men, more than four times its intended capacity; nearly 13,000 prisoners perished from disease, starvation or exposure.
On this date:
In 1582, Pope Gregory XIII issued an edict outlining his calendar reforms. (The Gregorian Calendar is the calendar in general use today.)
In 1821, Mexican rebels proclaimed the Plan de Iguala, their declaration of independence from Spain.
In 1868, the U.S. House of Representatives impeached President Andrew Johnson following his attempted dismissal of Secretary of War Edwin M. Stanton; Johnson was later acquitted by the Senate.
In 1912, the American Jewish women's organization Hadassah was founded in New York City.
In 1920, the German Workers Party, which later became the Nazi Party, met in Munich to adopt its platform.
In 1938, the first nylon bristle toothbrush, manufactured by DuPont under the name "Dr. West's Miracle Toothbrush," went on sale. (Previously, toothbrush bristles were made from animal hair.)
In 1955, the Cole Porter musical "Silk Stockings" opened at the Imperial Theater on Broadway.
In 1961, the Federal Communications Commission authorized the nation's first full-scale trial of pay television in Hartford, Conn.
In 1988, in a ruling that expanded legal protections for parody and satire, the Supreme Court unanimously overturned a $150,000 award that the Rev. Jerry Falwell had won against Hustler magazine and publisher Larry Flynt.
In 1989, a state funeral was held in Japan for Emperor Hirohito, who had died the month before at age 87.
In 1994, entertainer Dinah Shore died in Beverly Hills, Calif., five days before turning 78.
Ten years ago: Democrat John Kerry defeated John Edwards by large margins in Utah and Idaho, and also won in Hawaii, where Edwards ran third behind Dennis Kucinich. President George W. Bush urged approval of a constitutional amendment banning same-sex marriages. A 6.5-magnitude earthquake devastated an isolated region of northern Morocco, killing more than 600 people. Character actor John Randolph died in Hollywood at age 88.
Five years ago: In the first prime-time speech of his term, President Barack Obama appeared before Congress to sketch an agenda that began with jobs, then broadened quickly to include a stable credit system, better schools, health care reform, reliable domestic sources of energy and an end to the war in Iraq. Earlier in the day, President Obama held an 80-minute private talk with Japanese Prime Minister Taro Aso.
One year ago: Pope Benedict XVI bestowed his final Sunday blessing of his pontificate on a cheering crowd in St. Peter's Square. At the Academy Awards, "Argo" won best picture while Ang Lee was named best director for "Life of Pi"; Daniel Day-Lewis won best actor for "Lincoln" while Jennifer Lawrence received the best actress award for "Silver Linings Playbook."
Jimmie Johnson won his second Daytona 500, beating his Hendrick Motorsports teammate Dale Earnhardt Jr., who made a late move to finish second. Danica Patrick, the first woman to win the pole, finished eighth.
Today's Birthdays: Actor Abe Vigoda is 93. Actor Steven Hill is 92. Actress Emmanuelle Riva is 87. Actor-singer Dominic Chianese (kee-uh-NAY'-see) is 83. Movie composer Michel Legrand is 82. Opera singer-director Renata Scotto is 80. Former Sen. Joseph Lieberman, I-Conn., is 72. Actor Barry Bostwick is 69. Actor Edward James Olmos is 67. Singer-writer-producer Rupert Holmes is 67. Rock singer-musician George Thorogood is 64. Actress Debra Jo Rupp is 63. Actress Helen Shaver is 63. News anchor Paula Zahn is 58. Baseball Hall of Famer Eddie Murray is 58. Country singer Sammy Kershaw is 56. Actor Mark Moses is 56. Singer Michelle Shocked is 52. Movie director Todd Field is 50. Actor Billy Zane is 48. Actress Bonnie Somerville is 40. Rhythm-and-blues singer Brandon Brown (Mista) is 31. Rock musician Matt McGinley (Gym Class Heroes) is 31. Actor Wilson Bethel is 30.
Thought for Today: "It is the individual who is not interested in his fellow men who has the greatest difficulties in life and provides the greatest injury to others. It is from among such individuals that all human failures spring." -- Alfred Adler, Austrian psychoanalyst (1870-1937).


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That was in 1971. Fast forward a few decades, and 92-year-old Dietrich is still invested in the community, particularly Richmond Hill, the neighborhood where he was born and raised.
"We don't have anybody left around the area now," he said, referring to the civic association. But he is still around and going strong.
He sits on Community Board 9, which covers Richmond Hill, Kew Gardens, Woodhaven and Ozone Park. And he has been there for the past 40 years.
Dietrich has been on the board for so long that in June, Queens Borough President, Helen Marshall along with Councilwoman Karen Koslowitz, awarded him with a plaque for his years of service.
Marshall presented the award to him on June 14, at the yearly swearing-in ceremony where she appoints new board members and reappoints veteran members. Dietrich is part of the 281 veteran members who were reappointed in June.
Dietrich has lived on 134th Street and 89th Avenue all of his life, not too far away from Jamaica Hospital. He recalled when Jamaica Avenue had trolley cars running along it.
And he also had another reason to celebrate in June. For 66 years, he has been married to his wife, Charlotte. They met in Richmond Hill, even though she was from Queens Village.
Together, they had five kids – all girls. Dietrich is also a grandfather of six grandchildren.
He feels honored to have been awarded and he admitted that being on the board for so long has sometimes made him want to quit.
But the CB 9 board members told him that he couldn't.
"It's something to do, I'm only 92, I'll be 93 in September," he said, adding that in fact, he will not be quitting soon.


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Key Players in Syrian Civil War
A bewildering array of factions, sects and nations.
Sept. 4, 2013 -- The civil war that has engulfed Syria and brought charges of using chemical weapons on civilians began as a civil protest in the city of Homs. But a tough crackdown by the government of Bashar al-Assad has escalated violently and has drawn in a bewildering array of religious factions, rival Islamic groups and other nations.
Here's a profile of the main players in the Syrian struggle:
On the government side:
Assad regime. It was founded by Hafez al-Assad. He died in 2000 and his son, Bashar al-Assad, has ruled the country since. The family-run government brooks no opposition.
Alawites. The Assad family is a member of the Alawite sect, an offshoot of the Shiite branch of Islam. The Alawites are a minority in Syria, but dominate the government and the military and are fiercely loyal to the Assad family.
Hezbollah. The Shiite group is based in Lebanon and has been armed by Iran and hardened by years of battling Israeli troops. Hezbollah, which depends on the Assad regime and Iran for its weapons, has crossed into Syria and joined the battle against the rebels. The group's added punch has helped Assad's military blunt the rebels' momentum and begin rolling back rebel advances. The U.S. considers Hezbollah to be a terrorist organization.
Iran. The Shiite country has been Assad's closest ally in the civil war, helping to train its troops and sending plane-loads of arms on a regular basis.
Who's Who in Syria's Ruling Assad Family
On the opposition side:
Free Syrian Army. The moderate force emerged from the street protests and initial Syrian army defections to take on Assad's force, but is badly divided among different factions.
Sunnis. The Sunnis are a majority in Syria, but have long been marginalized by the regime. The ranks of the Free Syrian Army are overwhelmingly Sunni.
Jabhat al Nusra. A radical Islamic force that has pledged allegiance to al Qaeda, has attracted thousands of militant Muslims from around the world, received money and weapons from supporters, and become the rebels' most effective fighting force. It is imposing Sharia law in areas it occupies and has skirmished with the Free Syrian Army, at times.
Gulf States. Saudi Arabia and Qatar, which are largely Sunni monarchies, have been eager to counter the Shiite influence of Iran. They have poured weapons and money to rebel fighters, including militant Islamists over the objections of the U.S.
Turkey and Jordan. Syria's neighbors have become refuges for hundreds of thousands of Syrian refugees and a conduit for arms intended for rebels.
Caught in the middle:
Lebanon. Syria's smaller neighbor has a history of civil war and violent outbursts among its Shiite, Sunni and Christian populations. There have been bombings of Shiite neighborhoods in retaliation for Hezbollah aiding Assad and officials fear the potential of Syria's civil strife spilling into Lebanon.


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Man accused of attacking 2 people, dog in home invasion
Police: Man struck victims with club or pipe
A man is facing charges in connection with a burglary in Portsmouth early Sunday morning.
Portsmouth police were called about 1:30 a.m. to a report of a burglary in the Maple Haven neighborhood.
Police said a man broke into the house through the back door, attacked two occupants and struck their dog with a club or a pipe.
The victims, a male and a female, were taken to the Portsmouth Hospital for treatment, police said.
Detectives said 47-year-old Terrence Hartley was taken into custody near the burglarized home. According to police, Hartley was in illegal possession of cocaine at the time of his arrest.
Hartley is charged with one count of felony burglary, five counts of first-degree assault, one count of possession of a controlled drug and one misdemeanor count of cruelty to animals. He is being held on $125,000 cash bail and will be arraigned in the Portsmouth Court on Monday.
Anyone with information on the incident is asked to call Detective Adam Kozlowski at 603-610-7538.


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Does a "From Dusk Till Dawn" TV series that Robert Rodriguez will be heavily involved in sound awesome to you? I know me too! What if I told you it was going to be on Univision and I was 99% sure it'll be in Spanish? I know I don't know Spanish either but I watch the channel all the time to! I love their stripper/news anchors and the project is just getting off the ground so I think we have enough time to learn the language so we're all going to be good here.
Magnolia Pictures has done gone and picked up the rights to the Israeli film "Big Bad Wolves". The film is written and directed by Aharon Keshales tracks the lives of three men caught up in a series of brutal murders. Keshales also helmed 2010's underground hit "Rabies", which apparently had a lot of really attractive woman in it but also had subtitles so I'm still not sure what to do there.
Juan Carlos Fresnadillo , the guy who directed "28 Weeks Later", has been confirmed to direct "Villain", a new film about two brothers who find themselves lost in the woods. Shia LaBeouf is also set to star in the film and he knows robots so I think we got a winner on our hands here.
Olivia Wilde and Mark Duplass are set to start in a new horror flick from Lionsgate titled "Reawakening". The film focuses on a doctor who discovers how to bring people back to life and the events that follow after he uses it on his daughter. I'm sure there's awful results but if something like this ever comes to be I think we all know that Michael Douglas will be the first one on our lists to bring back to life. Miss you man.
Sophisticult Cinema returns with a discussion of John Hillcoat's "Lawless."
Alan Tudyk has signed on to play Stephen A. Douglas in the big screen adaptation of "Abraham Lincoln: Vampire Hunter". It's funny because Alan is best know as playing Steve the Pirate in "Dodgeball: A True Underdog Story". If at any point you thought, "Oh does he mean that guy from 'Firefly'?" then I'm going to ask you to leave right now.
Chris Pine, Alex Pettyfer and Shia LaBeouf are all expressing inner desires to play the lead role in the silver screen version of "Preacher". Pettyfer is the only one keeping me from being completely enraged about this and that's only because I have no freakin clue who he is. What's that? The kid from "Beastly" you say? Super! Maybe we can get Kevin Smith to direct and we can just call it a day.
If you don't know who Ray Harryhausen is then you don't know the joys of weird ass stop motion animation of years gone by. You should, that's the point I'm making. Well if not there's a new documentary about the man behind the effect of such classics as "Clash of the Titans" (the good one) and "Jason and the Argonauts" titled "Ray Harryhausen: Special Effects Titan". Bubo, look it up.
In the wake of the recent tragedies in Japan Legendary Pictures has asked Guillermo del Toro to revise the screenplay for his upcoming disaster film "Pacific Rim". The movie focuses around the a group of monsters that attack the earth and threaten to end us all. Click here for ways that you can help in the relief effort.
The ghost-tastic flick "The Apparition" has had its release date pushed from 2011 to an unnamed date in 2012. No reason has been released for the push but seeing how it's directed by Todd Lincoln who's previous credits include visual effects on "From Dusk Till Dawn" and stars a bunch of teenage extras from other movies I'm guessing they want to put it up against "Avatar 2" just to F with the man.
People seem to be getting sick of 3D movies and paranormal flicks but how could you fail with a paranormal 3D joint? The answer is you can't. "Paranormal Xperience 3D" revolves around a group of teens (awesome!) trapped in a town being terrorized by an evil doctor. If the twist at the end of this is that the doctor is a ghost then putting the word "paranormal" in the title might of been a bad idea.
Little known fact, they have TV's in New Zealand. I know I was shocked too! Not only that they apparently have their own shows. Like "The Tribe" which is about group of people who have lived through a virus that's killed off most of Earth's population and how they deal with robots and giant locusts. Sounds pretty good already but it's being adapted for the big screen here in the US so we're going to make it even better. You're welcome Kiwi's!
My wife and I have agreed that no matter what sex our seventh child is we will name him or her Shia LaBeouf. That's just how big of fans we are. So we're both pumped to find out that he will star in a new big screen adaptation of Joe Hill's, son of Stephan King, novel "Horns". The basic plot is LaBeouf wakes up after a night of boozing to find he's sprouted horns. I don't get the title.


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Available Online Services:
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Welcome to our online flower shop! If you're currently away from Uleila del Campo or you just want to do an unexpected surprise to your wife, your girlfriend, your friend or a a loved one, giving flowers is the best way to convey your feelings.
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An online catalog with over 289 floral arrangements available from 41 €. Every day you can take advantage of many offers of flower bouquets with discounts ranging from 5% to 15%.
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Choose our shop to sent your gift in Uleila del Campo, you will surely find the flower bouquet perfect for every recipient and occasion.
Floristería Jacaranda, your trusted florist in Uleila del Campo.


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"NICKOLAY LAMM" wrote:
I collaborated with Dr. Alan Kwan, who has a PhD in Computational Genomics from Washington University, to hypothesize what we may look like in the future. The following is written by him…
While the future remains unknowable (for now), Nickolay Lamm produced one set of possible changes to the human face in one possible timeline where, 100,000 years in the future, through zygotic genome engineering technology, our future selves control human biology and human evolution the way we control electrons today. In this future, humankind has wrested control of the human form from natural evolution and are able to bend human biology to human needs. This future scenario and these figures are envisioned by Dr. Alan Kwan, PhD Computational Genomics from Washington University.
As our understanding of the universe increases, I predict that the human head will trend larger to accommodate a larger brain. But instead of some orthogonal evolutionary path that ends up with the 210th century human a la Futurama's Morbo the anchor-alien, the rule of viable human biology will still apply and so the entire head will trend larger, though with a bias for a greater cranium growth than facial growth; the human 20,000 years from now would look to us like someone today except we would notice the forehead is subtly too large.
By this point, communications lenses will have replaced devices such as Google Glass.
While evolution in space is only beginning to be explored today, I would hazard a guess that millennia of human space colonization of Earth-orbit and other solar system space colonies will also select for…
1. Larger eyes in response to the dimmer environment of colonies further from the Sun than Earth.
2. More pigmented skin to alleviate the damaging impact of much more harmful UV radiation outside of the Earth's protective ozone.
3. Thicker eyelids or a more pronounced superciliary arch to alleviate the effects low or no gravity that disrupt and disorient the eyesight of today's astronauts on the ISS.
By this point in time, communications lenses (commlens) in contacts and miniature bone-conduction devices implanted above the ear will work in tandem. Bone-conduction devices, with embedded nanochips, will communicate with some external device for communications and entertainment.
This human face will be heavily biased towards features that humans find fundamentally appealing: strong, regal lines, straight nose, intense eyes, and placement of facial features that adhere to the golden ratio and left/right perfect symmetry. Functional bias will be incorporated into the vanity driven constraints above. Eyes would seem unnervingly large to us and have "eye shine" from the tapetum lucidum. Sideways blink of the reintroduced plica semilunaris to further protect from cosmic ray effects would be particularly startling.
For high resolution images, full report, and/or questions about this project, please email firstname.lastname@example.com.
About Nickolay
Nickolay Lamm is fascinated with trends in the technology and business world, often illustrating these interests in illustrations. He graduated the University of Pittsburgh's College of Business Administration in 2011 and his life goal is to create a startup which changes the world.
John Greenewald, Jr.
The Black Vault Website Owner / Operator
8:40 pm
April 9, 2009
3:12 am
July 20, 2009
9:40 pm
April 4, 2013
The chick actually looks better in the 20K pic.
*sets time machine to 20,000 years in the future*
So long suckers!
Martial Law is real, TPTB have been practicing.
Must watch video, especially for Canadians: Into the Fire - See what actually happened at the G20 Summit in Toronto.
8:39 am
April 9, 2009
Willie Wonka quotes..
What is this Wonka, some kind of funhouse?
Why? Are you having fun?
A little nonsense now and then is relished by the wisest men.
We are the music makers, we are the dreamers of dreams
4:16 pm
June 23, 2013
4:38 am
April 9, 2009
11:11 pm
April 9, 2009
11:17 pm
April 9, 2009
2:38 am
December 2, 2012
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I saw the sacred mountains veiled in the clouds this morning. Yesterday. While in the shower. I glanced out at the twilight sky above Leahi. Diamond Head. And the po'o, the skull, of my kupuna materialized in the sky. It was massive and awe inspiring. I froze in awe at the sight. Then it quickly dissipated. I then saw several other kupuna faces form. Then vanish. It was a definite kauoha from my kupuna to prepare for the spiritual battle tomorrow at Naue in Ha'ena. I will protect the iwi of my kupuna. The bones of my ancestors. In the name of Ke Akua. They have given me everything in this life. Everything. Including life itself. I will show them just how much I love them...
Thursday, July 10, 2008
Posted by Ka`iana at 8:30 PM
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