text:
Aluminum cooling fan assembly for Ferrari 550 V12
new, aluminum cooling fan assembly for Ferrari 550 V12, imported.
Jul 30 -
Roadside reflectors
Red roadside reflectors from a really, really old car. There are 3 in the box and I think everything is there.
They are made of aluminum and your basic red reflective lenses. I got this in an old car I had. I think it ws a ford.
Jul 30 -
Yakima Rack w/ fairing, basket and clamshell
doesnt fit my new car .. this setup will make ur carrying capability's of ur car way more versatile .. i carried lumber up to 12 ft on the mazda 626 . plus the basket or clamshell really expand the stuff u can take camping ..
Jul 27 -
brahma canopy for mazda b2200 or ranger w/ 6 ft bed
selling my lid cuz i dont use it much and need money for car problems
►►►10' to100' RV/boat Portable Garage Carport See HisCoShelters.com
See www.HisCoShelters.com
NEW Weather-Shield RV/boat Carport Shelter
STOP! Weather and Sun Damage
Prices from $497
Sizes: from 10' to 100'
See more pictures and information at
Call Larry 360-217-7186
Jul 26 -
►►► NEW RV Motorhome Truck Shelter Logic Portable
See more www.HisCoShelters.com
STOP! Weather and Sun Damage
Build Your Portable Garage Your Way
Kit Sizes: 8' to 30' wide, 6' to 20' high, up to 100' long.
See www.HisCoShelters.com
Call Larry 360-217-7186 or
Email for Quote or Questions? [email removed]
DIY Portable Garage Kits from $397
See www.HisCoShelters.com
See www.HisCoShelters.com
Call Larry 360-217-7186 or
1986 Buick Somerset Leather Seats,
86 buick somerset seats $ 50.00 seats are in ok condition but one has a small tear other then that they work fine. I also have the back seat if interested.
Jul 22 -
Mercury Boat props
Mercury Bravo Three, 3-Blade Stainless Steel. 24 pitch.
LH 15-3/4. RH 14-1/4. $600.00 for pair.
Jul 20 -
1994 Big Block Chevy Motor - All new part and machine work- Receipts
Howdy, I believe the block casting # is 10114182, and the heads are casting # 336781, known as the " Ironman Head." The block is a 1991 Mk-IV 454ci, one bore only that I had done just for clean up at .020 over, Silv-o-lite pistons, Hasting rings, Clevite 77 bearings, Summit Racing true double roller timing chain and gears, I added a torrington thrust bearing for the cam, welded and adjusted pick-up tube for the oil pump, Summit new, Crane lifters, Harlen Sharp roller rockers, the cam is a Wolverine ...
Jul 17 -
BMW E92 Hood Coupe 2 Dr OEM Genuine Part Used - See description!!!
*** If you see this ad then the hood is still available. I will remove it immediately after the hood is sold.***
I have the 2008 3258i BMW e92 Coupe (2 door) OEM hood in used condition. It was removed from 2008 BMW E92. Comes complete with hardware as shown in pictures. Please note there are a few dents on the central part of the hood (damaged in transition) - see the pictures for detail and let me know if you have questions. Color - black (BMW Schwarz 2). Selling for $350 or best offer.
Text or ...
Jul 13 -
WANT TO BUY 3 speed or 4 speed V-8 US Car 1956-1967
Looking for manual stick shift Buick Chevrolet Chrysler Ford Mercury Oldsmobile Pontiac 1959 - 1967. Thunderbird Galaxie Fairlane Cyclone Caliente Marauder Cop car Highway Patrol LeSabre Wildcat Bel Air Biscayne Caprice Impala 300 88 98 Starfire Bonneville Catalina Gran Prix Ventura Pls email Eric. Thank you.
3 spd 4 speed floor column shift bench buckets , overdrive , 2 , 4 door , wagon. Original, any condition. 283 327 389 390 396 406 410 21 427 Thank you. 1960 1961 1962 1963 1964 1965 1966 ...
Jul 7 -
RARE FIND: 1959 Buick 50th Anniversary Literature Collection
Original 1959 Buick 50th Anniversary Collector Issue of the Buick Bugle , the award winning official magazine of the Buick Club of America - Part I - featuring the full line-up of the car – the 1959 Buick!
Bonus I: Detailed article featuring the famous GM Motorama Buick Landau of 1954!
Bonus II: Cars & Parts magazine featuring an over-the-top article about 1959 Buick Electra 225 Convertibles - in spectacular color!
Lots of photos - most in stunning ...
Dodge Charger SRT wheels/tires
20 inch Dodge Charger SRT8 wheels and tires for sale. Tread us low but could last a season. There is a minimal amount of curb rash but could be fixed easily.
$600, and local pickup in Graham, Wa
This ad was posted with the eBay Classifieds mobile app.
Jul 7 -
Wheel Covers 2010 Toyota Prius
I have 3. One for $75 or all three for $200.
Lost one somewhere??? had to buy new ones.
2010 Prius, 15", stock wheel covers.
A new set of 4 is about $400.
Jul 4 -
Studded Snow Tires
Studded tires mounted on Ford 5 lug rims, came off of 1994 Ford Aerostar
Set of 4 for $200, or 2 for $100
Please call Tom at 253-863-5577
Do not respond by email.
New 2006 z06 corvette bilstein shocks
New shocks never been used, for 2006-2013 z06 corvette. They might fit others but I am not sure. Please contact me for pictures and any other info.
Jul 2 -
Honda Accord Gril
Fits 1990-93
New aftermarket
Jun 29 -
Nissan Quest Dash Kit
It will fit 2004-2006 Years
Chilton 1993-1997 Truck & Van Repair Manual
Chilton Manual in like new condition as pictured in this ad. This ad will be deleted when the manual has been sold.
We are actually located in Yelm, WA.
Jun 29 -
Lake Tapps
Front axle for 1952 ford p/u
Ford front axle from 1952 pickup with complete disc brake set-up. Has stock 5.25 or adapter for 4.75 lug pattern. great condition. Will fit 1948 thru 1952 pick-up
Jun 24 -
Set of 19" Mercedes Wheels
Set of 4 19" tri-spoke rims from a 2014 Mercedes GLK with only 600 miles on them. Part #a2044011104.
19"x7.5"J, 47mm offset. Like-new condition, no curb rash. I have the wheel bolts as well if you're interested - let me know and we can sort out a price.
(if you're wondering, I swapped for 17" wheels to have something more suitable to handling off-pavement)
Jun 21 -
Power-Flow Mud Flaps
Product unopened. Description follows:
ROADGUARDS™ BadgeZ™ SPLASH GUARDS •Offset outer edge for a factory contoured appearance
•Rolled edges increase lateral strength, help prevent warping
•O.E.M. approved material for a durable long lasting finish
•Engineered to accomodate RoadGuards™ Chrome BadgeZ™emblem sets to create a unique custom look
•Universal fit for any application, available in large or medium sizes
•Guaranteed for life not to break
RoadGuardsâ"¢ Splashguards are ...
Jun 21 -
Rebuilt Toyota and Lexus IS300 W55 W56 W57 W58 W59 Manual Transmission
Fully Rebuilt W55 W56 W57 W58 W59 Manual Toyota Transmissions
Transmissions come with all new syncros, bearings, seals, and gaskets.
These are quality rebuilds in which I ONLY use Japanese brand bearings.
Everything is hand tightened. There are NO power tools used in the process of rebuilding these transmissions. I feel the quality of craftmanship increases when everything is done by hand.
All transmissions come with a one year, unlimited mileage warranty in that time.
Jun 18 -
Oak Harbor
Engine for a 1948 Chevrolet - 216 cid
Price just reduced!
This 216 CID engine is from a 1948 Chevrolet pickup. The motor is disassembled, hot tanked and ready for rebuilding. The block, head and crank have been magnafluxed and have no cracks in them. The block has standard cylinder bores with nominal wear and will clean up at +.030. The crankshaft is standard on both the rod & main journals. It has just normal wear and will clean up at -.010 (the first undersize). Parts included: Block, Crank, Head, Block Plate, Camshaft, Connecting ...
Jun 16 -


text:
Welcome to Virtual Pet List!
Wanting to join the rest of our members? Feel free to sign up today. Like what you see? Then join our community! You'll love it! Its free!Sign Up
Virtual Pets
Welcome to the Virtual Pet list forum!Our list of virtual pet sites and directory of sim games have a lot of games listed that you can try out and possibly enjoy. If you're still curious about a game to play, you can check out some of our game reviews that were written by some of our great contributors and our interviews with respective virtual pet site owners, sim game owners, artists, writers and programmers that have done work in this industry as a whole.
We're a virtual pets and sim games community and we're the largest forum in our industry. We have a lot of virtual pet sites' owners and sim game owners that are quite active on our online community. Along with artists, writers and programmers that come here looking for work and games to work for. Our members who are artists sell art in our art marketplace and programmers are allowed to sell their scripts in the programming marketplace. We've been opened since 2011, however, we've owned our domain name since 2004 and since then we've grown and expanded quite nicely. What are you waiting for, why don't you join today?
Check out our latest guide on how to grow your user base!
Paladore - Boopets - Icepets - Corepets closed beta keys
Virtual Pet Directory
Check out our latest contest Win 500k treasure and 50 gems on flight rising
Marapets admin change
Discussion in 'Virtual Pets' started by Mango, Jun 30, 2012.
|Virtual Pets
|Subeta A Better Game Than Marapets Or Is It The Other Way Around
|Jul 4, 2014
|Virtual Pets
|Oops... I Got "banned" Off Marapets.
|May 7, 2014
|Virtual Pets
|Marapets Staff Change
|Feb 2, 2014
|Virtual Pets
|New Codes On Marapets
|Dec 22, 2013
|Virtual Pets
|How Many Quests Have You Done On Marapets?
|Dec 16, 2013
|Virtual Pets
|Marapets Or Subeta?
|Dec 12, 2013
|Virtual Pets
|Weekly Battle Challenges On Marapets
|Dec 3, 2013
|Virtual Pets
|Do You Think Marapets' Art Is Improving
|Nov 4, 2013
|Virtual Pets
|Is marapets letting you log in?
|Jul 19, 2013
|Virtual Pets
|Review Marapets.com here...
|Jul 10, 2013
|Virtual Pets
|marapets staff are liars
|Jul 8, 2013
|Virtual Pets
|Marapets Traders
|May 24, 2013
|Virtual Pets
|marapets has banned me for no reason
|May 1, 2013
|Virtual Pets
|Marapets advice?
|Apr 25, 2013
|Virtual Pets
|Apr 24, 2013

subset: commoncrawl


text:
San Diego Chargers
Richard Goodman - #15 - WR
|6' 0"/ 192 lbs.
|Fort Lauderdale, FL
|Florida State
|Years played
Chargers TE Gates injures ankle
Adding insult to injury following a loss to the Rams, Chargers TE was in a protective boot after the game and the San Diego Union-Tribune's Kevin Acee said Gates' injury "doesn't look good."
Defense key as Rams upset Chargers 20-17
The Rams pummeled Chargers QB Philip Rivers, stuffing the league's No. 1 offense, and prevailed with a 20-17 victory.
Fired Minnesota coach Brewster could return to NFL
An NFL insider has told PFW that Tim Brewster, who was fired Sunday as head coach at the University of Minnesota, could resurface in the NFL as an offensive assistant.
Chargers' McNeill signs five-year extension
Late Wednesday, Chargers OLT Marcus McNeill agreed to a five-year contract extension that runs through 2015. The new deal is reportedly worth $48 million, with $24.5 million guaranteed, according to PFW Chargers correspondent and North County Times beat writer ...
Report: NFLPA advises Jackson, Mankins to report
Two restricted free-agent holdouts — Chargers WR Vincent Jackson and Patriots OG Logan Mankins — will likely report to their respective teams before the end of the season at the urging of their union, according to an ESPN report late Wednesday.
Chargers sign LS Windt
San Diego signed its fifth long-snapper of the season on Wednesday, adding Mike Windt and releasing LS Ethan Albright.
Injuries made Merriman untradable commodity
It was common knowledge that OLB Shawne Merriman would not be back with the Chargers next season. For that reason, his calf injury proved to be fairly costly.
Merriman placed on I.R.; will be cut when healthy
The Chargers have placed OLB Shawne Merriman (calf) on injured reserve with a minor-injury designation, meaning the three-time Pro Bowler must be released when healthy.
Report: Chargers' McNeill agrees to five-year extension
Chargers OLT Marcus McNeill has agreed to a five-year contract extension, according to a report by ESPN's Adam Schefter, who cited a source familiar with the situation.
Chargers activate OLT McNeill
The Chargers have activated OLT Marcus McNeill to their roster. To create the roster space, the team released CB Fred Bennett and FS C.J. Spillman.
Raiders rally to beat Chargers 35-27
Michael Bush ran 3 yards for the go-ahead touchdown with 3:39 remaining and Tyvon Branch returned a fumble 64 yards for a score as the Raiders ended a 13-game losing streak vs. San Diego with a 35-27 victory over ...
McNeill's concession could lead to long-term deal
Unlike teammate Vincent Jackson, sitting out an entire season was never something Marcus McNeill wanted to do.
Chargers sign SS Carter
The Chargers added SS Tyrone Carter to their roster on Wednesday, releasing DE Alfonso Boone to clear space for the 11-year veteran.
Chargers sign OLB Obiozor, place LB Tucker on I.R.
The Chargers signed OLB Cyril Obiozor from the Cardinals practice squad on Tuesday and re-signed CB Dante Hughes. They placed LB Jyles Tucker on injured reserve.
Pressure, turnovers has Bolts' 'D' dominating
Defensive coordinator Ron Rivera always has been known for his creative blitzing and getting after opposing quarterbacks. On Sunday, his work was on full display.
The San Diego Chargers have signed Goodman from the practice squad to the active roster.||||||| The addition of Goodman apparently is an attempt to shore up the Chargers' porous special teams. Goodman played well during the exhibition season as a kickoff returner and on kick coverage. The Chargers have given up two kickoff returns and one punt return for touchdowns this season. They also had two punts blocked in a loss at Oakland on Sunday, with one bouncing through the end zone for a safety and the other being returned for a touchdown.


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McALESTER —
It's a good thing McAlester athletics' folks are no stranger to multi-tasking as there are a number of winter-spring sports activities over the course of the week.
Tonight, road action for McAlester's Buffaloes and Lady Buffs basketball teams will give them their first opportunity to play in the gym on Durant's new high school campus. The girl's varsity tips at 6:30, with the boy's varsity to follow.
Thursday, Buff varsity wrestlers host Coweta in a dual in the last home match of the season for McAlester, with homecoming and senior night all rolled into one.
Also Thursday, the yearly ninth grade basketball tournament hosted by McAlester gets under way.
Early games in the ninth grade tournament will help clear Bob Brumley for use for high school basketball with Hugo on Friday evening. After the junior varsity boy's and girl's games, the girl's varsity is to tip at 6:30 p.m., with the boys game to follow. It is also senior night for McAlester High School basketball Friday.
Saturday, McAlester will compete in an indoor track meet McAlester at 9 a.m. at the University of Oklahoma.
John Yates is the news director at McAlester Radio. Contact him at email@example.com.
For more on this story, see the print or electronic editions of the McAlester News-Capital. Click here for print edition home delivery or click here to see the Smart Edition for your computer, tablet, e-reader or smart phone.


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From Openwaterpediaocean swimming, open water swimming, paddling, kayaking, surfing, body surfing, boating, diving, surf lifesaving, lifeguarding, rowing, yachting, fishing, stand-up paddling, kite sailing and/or windsurfing.
The waterman is also considered humble and fun-loving around the ocean and onshore, while simultaneously being fearless, but respectful, of rough water conditions or big-wave surf. And, always, they retain a deeply embedded connection with the ocean and take safety in the water very seriously.
Watermen are also considered skilled in interpreting weather and tide information to decide the best water activity for the conditions. They also work to improve water resources, reduce water pollution, and protect the environment and water species from over-exploitation.
But it is a term that cannot be self-appointed. It is a honorific description that is entirely dependent upon the opinion of one's peer.
George Freeth of Hawaii, Duke Kahanamoku of Hawaii, and Johnny Weissmuller are examples of early 20th century waterman. Ky Hurst of Australia and Bruckner Chase and Kenny Rust of the USA are modern-day examples of watermen. Jordan Mercer of Australia and Grace van der Byl of California are examples of a contemporary waterwomen.
History of Lifeguards
External links
- What Is A Waterman?
- George Freeth, The Man Who Could Walk On Water
- Michele Daschbach Fast Remembered And Honored
- Open Water Swimming
- Keeping Alive The Lifeguard Legacy Of John T. Goudy
- Chasing The Ocean Life For Those With Spinal Injuries
- Ocean City Swim Club Unified Team
- Swimming And Paddle Boarding With Spinal Injuries
- 2013 World Open Water Swimming Offering Of The Year Nominees
- Jonathan Sharp Continues To Light Way
- Steve Minaglia, Pioneering Pailolo Two-Way
- Alooooha, Honolulu. No Kai Oi In The Open Water
- Stubby Was Studly
- Hadar Aviram Across The Sea Of Galilee
- 5 Dangerous Things To Let Your Children Do In Water
- Creating Transformative Ocean Experiences
- Schick Hydro Coolangatta Gold Pushes The Limits
- Bob Burnside, Missing The Beach And Leaving A Legacy
- Heading Around Huntington Beach
- Blue Journey, An American Samoa Documentary In Scotland
- World Open Water Swimming Association


text:
Community Events
Network, Learn, Share
Food Matters Manitoba invites you to participate in a summer-long competition where Manitobans are able to transform their flower gardens, front lawns, or other parts of their yard into an edible landscape.
The Edible Landscaping Competition is designed to promote homegrown
food, sustainable living, creative gardening, and community
beautification. We also encourage people to donate the surplus food they
grow to help those in need through Winnipeg Harvest
<http://winnipegharvest.org/> or Fruit Share Manitoba
<http://www.fruitshare.ca/> .
The competition is open to all Manitoba (Canada) residents with gardens
of all shapes and sizes. Their are five competition categories which
include Urban, Rural, Northern, Youth, and Newbie with a grand prize
being awarded in each one.
The poster for this competition is attached...please share widely!!!
For more information please visit http://manitobagarden.com/ or e-mail
Good luck and we look forward to receiving all of your submissions
DMSMCA is pleased to present a new series of home maintenance workshops in partnership with Christopher J. Parker of Build Wright Developments. These "hands on" sessions are geared towards homeowners and renters who want to learn the ins and outs of maintaining their own home.
Workshops take place Wednesday nights between 6:30 to 9:00 pm at the DMSMCA building at 823 Ellice Avenue at Arlington. They are free of charge but space is limited so you are required to register in advance.
The schedule is as follows:
Contact Christian at 204-774-7005 or email@example.com to register.
FemFest2014: She's Got The Power!
This fall, Sarasvàti Productions'FemFest2014—She's Got The Power will explore, define and reimagine the concept of women's power. This 12th annual festival of life changing plays by women for everyone is a must-see event. Stories of family feuds, tattoo-covered teens, Immaculate Conception and part-time paranormal seekers will descend upon the U of W Asper Centre for Theatre and Film this September. Whether you see one production or the entire festival lineup, you are sure to leave with a new understanding of power and possibly even a tasty brownie. Please visit our website, www.femfest.ca, to learn more about the FemFest 2014 lineup and ticket purchasing options.
Please share the attached event poster widely!
Current Issues
Know your community
We tackle subjects that matter to us and our community.
Take Action
Get involved with poverty reduction
SPCW and MIRSSA Inc. are collaborating to establish a local immigration partnership (LIPW) to assist the settlement and integration of newcomers in Winnipeg.
Recreational activities are important for our health and wellbeing. Especially for children and youth, we know that recreation can make a huge difference in their physical and emotional development.
The Employment and Income Assistance (EIA) Advocates Network was initiated in 2006 through the West Central Women's Resource Centre (HOMES program, which mentors women advocating on housing and income security).
Everyone benefits when everyone is engaged in creating a caring community.


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Laura Liccardi
Gallery Review
The Long Road
Group show weaves together science and mythologyFour artists were called to the desert. They retrace their paths and their DNA in Creation / Migration: Stories of the Journey at FreeStyle Gallery.
Culture Shock
PIY, Planet of the Monkey, 100 Pieces of He(art)The self-published book fair, the Kardboard King and still-life's riches await you in this week's Culture Shock.
Oct 12th @ The Launchpad • 10.12.2014
home | feature | news | film | music | art | food | classifieds | personals | staff | lo-fi | search
© 1996-2014 Weekly Alibi email@example.com
Mobile version


text:
Like an ostrich egg rolling down a hill heading for a jagged boulder, the second season of "Girls" rolled out onto HBO.
Lena Dunham, the acclaimed creator/writer/director, once again goes to great lengths to promote unattractiveness in an attempt to hit a chord perhaps as the anti-glamour muse of the new generation starting to claw its way into relevancy.
Scenes of her body in all stages of dress and undress is enough to be against nudity on cable.
When I wrote my novel, "Whistling Past the Hottie Graveyard." (on Amazon.com), the main thrust of the book was similar to the idea Miss Dunham used to create the series "Girls." That is, staking a claim at existing in New York City while juggling the daily battles at work with the "every night is Saturday night!" reality that is city nightlife.
So Ms. Dunham attempts to tackle issues like self esteem in the jargon of the day, along with both male and female caricature characters of committment-phobes. She is winning "Golden Globes," for her half-hour show, which I think is a low-rent "Sex and the City" series, yet many 20-something girls are glued to watching the show as another generation watched "Friends," and "Seinfeld." The wild card is the idea of, does art imitate reality or vice versa?
The wacky characters she has created will perhaps in time share fame or infamy like Maynard G. Krebbs on Dobbie Gillis, or Gidget, but right now these characters created by Ms. Dunham are in a growing wheel house of popularity. Hannah Horvath, Marnie Michaels, Jessa Johansson, Shoshanna Shapiro and the fellas Adam Sacklar and Ray Ploshansky will in no time be the Kramer, Jerry, George, Elaine and Newmans of this generation.
My effort, "Whistling Past the Hottie Graveyard," in a way is a novel about what happens to characters, like all the characters is "Girls," "Friends" and "Seinfeld," when they turn 40 and tumble back into the bohemian lifestyle of being cast back into starting all over.
As for Lena Dunham and her baroque, Rubens-like figure... well she seems all to willing to undress herself as often as possible on her show. I suppose she does this to get intimate with the audience over time, the same way one gets use to anything not gifted with natural beauty. Is her talent in the writing? Or in the concept of maybe the hopelessness too many of the new generation she is writing about feel. The answers will only come over time.


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Help Save the Animals Rescue Team II Spay/Neuter
The Englewood, NJ – based organization is hosting a puppy and kitten shower to help raise funds for Spay/Neuter
For over 25 years, Save the Animals Rescue Team II (S.T.A.R.T. ii) has worked to save the lives of thousands of dogs and cats throughout Northern New Jersey. The shelter is now asking the community to help fund its Spay/Neuter program by attending its Kitten & Puppy Shower on Sunday October 6th 2013.
The event will be held from 11am – 2pm at Vitale's restaurant, 293 Queen Anne Rd., Teaneck, NJ. Attendees will be treated to a delicious buffet brunch, and activities will include a money hat, 50/50 and a Tricky Tray offering a great assortment of gift baskets and other items. All proceeds will benefit S.T.A.R.T. II's "Spay/Neuter" program. Guests are also asked to bring a pet-related gift for the wishing well. Donated items will be used for the cats and dogs in our care.
"Summer is prime kitten and puppy season, and this year has been particularly challenging," explains President Marge Kayne. "We are trying to save as many animals as we can from entering local kill shelters, which puts a tremendous strain on our finances. S.T.A.R.T. II has taken in over 300 puppies and kittens over the past few months already. If everyone can donate even just 50 cents, we can make a huge difference in overpopulation of homeless animals."
Tickets to the shower are $35 and can be ordered by email to firstname.lastname@example.com or via phone to 201-368-2743 (ask for Joan). If you cannot attend the event, please consider making a tax-deductible donation via our website at startii.org or via check mailed to PO Box 177, Elmwood Park, NJ 07407.
For more information on the important work S.T.A.R.T. II is doing to make a difference in our community, visit www.startii.org.


text:
View the article online at http://citywire.co.uk/new-model-adviser/article/a655194
FSA launches probe into £800bn unit-linked fund sector
by Michelle Abrego on Jan 31, 2013 at 16:29
The Financial Services Authority (FSA) is conducting a thematic review into the governance of unit-linked funds run by life insurers, a sector it estimates to account for £800 billion in funds under management.
The FSA highlighted the governance of unit-linked funds by life insurers as an emerging risk in its Retail Conduct Risk Outlook in 2012.
In its insurance conduct supervision newsletter, the FSA said: 'The funds under management in the unit-linked sector are currently over £800bn and will grow significantly with the introduction of pension auto-enrolment. Due to the size and importance of this sector, any failures pose a high risk to our statutory objectives, particularly the protection of consumers.'
The review will assess whether firms have adequate systems and control in place to ensure that funds are administered and managed fairly and in accordance with customer expectations, it said.
The FSA will also asses if assets backing unit-linked policies are appropriate for policy holders and that policy holder benefits are calculated fairly and accurately.
It has taken a sample of firms covering a large proportion of the market and incorporates firms of different size, nature and business models.
It expects to share the results of the thematic review in the autumn.
25 comments so far. Why not have your say?
Jan 31, 2013 at 17:22
What the SHOULD investingate are the high fees and all hidden costs in OEICs and SICAV funds. They should also look in to the structural flaw in these fund structures where there is no price for liquidity and small investors are disadvantaged by larger once - like fund of funds.
Most retail investors are better off in investment trusts and ETFs. However, as these products have lower charges and so not pay any commissions to intermediaries, they are not being promoted.
Having worked as a fund manager for many years, it is just shocking to see how Mrs Miggins is getting a raw deal.report this
Jan 31, 2013 at 17:23
Another piece of job creation. Why are all of these thematic reviews being announced in the dying days of the FSA.
Just go.report this
Jan 31, 2013 at 17:30
Dear Mr. Expat.
Commission is now banned and not really part of the equasion any more.
Investment trusts can gear and are more complex products. They are closed ended meaning that they are less liquid than OEICS.
ETF's are great, however there is a deal of counterparty risk.
Having worked as a fund manager for many years you appear to have forgotten that Mrs. Miggins has relatively little knowledge of the underlying mechanics and her comprehension of the term gearing is limited to how mechanical devices operate.
Additionally, you are forgetting that some OEIC tracker strategies are actually lower cost than ETF's and are less risky because of the lack of counterparty risk etc.
This is a good step as a lot of these funds represent poor value for money at present and I look forward to the findings.
I agree that the TER measure is not a true measure of the overall charges of an OEICUT, however I'd rather people were overcharged in an OEIC than sat in cash.report this
Jan 31, 2013 at 17:30
M&G Global really should think about their advert with a Lance Armstrong lookalike cyclist that pops up next to this blog string....report this
Jan 31, 2013 at 17:31
In the meantime, whilst the FSA are creating life long employment opportunities from themselves, l have just received an illegal, unsolicited phone call from a Manchester area number (0161-826-xxxx) telling me that "as l am under 60" (not true) by "pressing 5 now" l can immediately get a bonus of over £1,000 added to my pension fund (which, unbeknown to them is already in payment!)
The fraudsters are still out there in droves, whilst honest IFAs head towards extinction.report this
Jan 31, 2013 at 17:31
A pity they didn't do this in 2007!report this
Jan 31, 2013 at 17:34
@The Expat - you may have heard of RDR, so your commission argument is redundant. Also, many of us have used wraps for years and commission has been totaly irrelevant here too.
What is the average volatility between IT's and OEICs from similar sectors please?report this
Jan 31, 2013 at 17:34
Although they will all be still there in April the FSA technically only has 3 months to live so maybe they are thinking "I think I'd like to do all the things I meant to do before I died" - that's why they are suddenly rushing around doing busy work.
Aone way trip to Switzerland for an early exit might be more suitable but that's not legal yet!report this
Jan 31, 2013 at 18:31
I learnt yesterday that from a legislative perspective FCA is a name change to FSA. So why they needed a new long term lease on another buiidling is beyond me...report this
Jan 31, 2013 at 18:42
I know where I'd like to launch a probe.report this
Jan 31, 2013 at 19:24
@ Anitaki
Only one?report this
Jan 31, 2013 at 23:46
Does no one remember the investment trust split cap scandal ? They, nor etfs, are not covered by the fscs. They are not suitable for retail customers.report this
Feb 01, 2013 at 09:07
@ John Borgars
Only one?report this
Feb 01, 2013 at 09:09
Sorry, meant @ John Phillips
Only one?report this
Feb 01, 2013 at 09:25
Yes but a very big onereport this
Feb 01, 2013 at 09:27
I would encourage anyone with an interest (the expat guy included) to do a bit of quick research on trustnet or similar to compare life coy balanced managed funds against the FTSE All Share - the results may surprise you. Ditto their "managed" UK equity funds. Many of these funds are essentially closet trackers with high costs.report this
Feb 01, 2013 at 11:05
Think there is a misprint in para 5. Should read: "The FSA are all asses"report this
Feb 01, 2013 at 11:09
@ The Ex Pat - sorry, your argument is fundamentally flawed even leaving aside the tired and entirely questionable commission argument. Others have already said why.
@ Simon Webster: yes. Quite!
I note that the Papers are busy slagging off "money - grabbing, greedy IFA's" for charging "outrageous" fees. They of course haven't the faintest clue as to why those fees are (sadly), barely realistic for survival. Meanwhile the big boys in the Insurance companies and fund management houses - and (I couldn't NOT mention), the Banks, carry on regardless.
Anyone with any common sense (and please, all you snorting "what-ho!" IFA good- two-shoes out there, kindly spare me the old "day's of the Raj", goofy, self righteous vitriol of your stuffed hair-shirt, turkey's voting for Christmas platitudes on this one), a 'hem... (calm down polfers, calm down, mop off the foaming spittle..)....... can see that despite the noises-off, in the great scheme of things, the regulatory focus remains firmly on the paltry and inconsequential (it's a good diversionary tactic to keep us plebs running around in pre-occupied and impotent circles), whilst the real elephant in the room charges on un-checked in any meaningful or effective way.
PS - suggest you add some razor wire to the tip of the (large) probe.
~;o)report this
Feb 01, 2013 at 11:19
@ Polfers
No room for it as I've covered it with broken glass already.report this
Feb 01, 2013 at 14:39
@ Daniel Elkington
>> "I'd rather people were overcharged in an OEIC than sat in cash."
No, I'd rather sit in cash rather than invest in some crap fund and lose money.
>> "Investment trusts can gear and are more complex products"
Are they more complex ? Not really. There are countless examples of good investment trusts who constantly chug out steady returns and dividends. They are not all esoteric entities.report this
Feb 01, 2013 at 15:36
My comments were clearly more controversial than I thought they would be. So, just to clarify:
Of course there are complex and risky investment trusts and ETFs that are inappropriate for many retail investors, but that is where advisers come in and can add real value. There are many investment trusts that are effectively identical to unit trusts, some times even managed by the same fund managers, but with substantially lower charges. (Lower still if you factor in that they often trade at a discount to par.) Historically IFAs had little incentive recommending these structures as there was no commission to be had and fund management firms had little interest in promoting them as their profit margins are lower on these products. In the RDR world, advisors now have the opportunity to add real value by putting clients into more cost efficient products. I still think it is a very good thing to look in to practices surrounding unit trusts and the way fund management firms market them.
Also, the argument regarding better liquidity in unit trusts is simply wrong. There is no "free liquidity" in the market. Investors being able to buy and sell units flat to NAV doesn't mean the liquidity is free. It simply means the dealing cost is born by investors who remain in the fund. When market volatility increase and the liquidity premium goes up, the cost of trading increases. (After the Lehman collapse, for example, the bid offer spread on some corporate bonds could be 5% or even more!) In that kind of market, the very high liquidity cost is born by investors who do not sell out. When large fund of funds start selling down its holding in a unit trust, it is the small retail investor who pays the price. In theory fund management firms should apply dilution levies to large in or outflows. In practice it is very difficult to calculate and fund on fund managers have learned how to get around the triggers. Contrast that with investment trusts where market volatility and a large seller means widening bid/offer and greater discount to NAV. That means those who want to trade in volatile markets have to pay up for the liquidity. That protects smaller and long term investors.report this
Feb 01, 2013 at 16:09
@ The Expat
Thanks for your "Janet and John" explanation. I think most of us lesser mortals do grasp concepts such as liquidity and fund structures.
But I would be interested to find out how many IFA's in this post-RDR world actually recommend investment trusts and ETF's.
Probably very few. It's out of their comfort zone. It's always easier to recommend Invesco Perp High Income rather than other generalist investment trusts which have consistently performed better but don't spend huge amounts of money promoting themselves.
That's another point. Who pays for the vast amounts of money that many OEICs/UTs spend on marketing? The mugs who buy the funds.report this
Feb 01, 2013 at 16:36
@ Neil Telford
Judging from some of the replies to my first comment, it seemed that some of the readers needed a "Janet and John" explanation. Didn't mean to offend anyone.
Apart from that, I fully agree with your comments....and it doesn't seem you fundamentally disagreed with mine.report this
Feb 01, 2013 at 16:58
The only reason to invest is to try and make your money grow.
It will be interesting to see if they will make fund managers amend their charging structures so that they can only charge an AMC if they make a profit for a client.
No profit no AMCreport this
Feb 04, 2013 at 13:57
Surely we all recall the disaster of the FSA investigating with-profits funds, many of which had performed extremely well over the years.
The outcome of the realistic accounting rules in 2002 was that they killed off with profits almost entirely for new business by their meddling and the consequence of their actions probably did more to damage peoples pensions and investments than anything up to Lehman's demise.
Let the managers manage the funds, in accordance with the sector they are in, and without interference from regulators who have no place in determining how funds are managed just that sensible rules are not broken.report this
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Donna Dunn - Advising Coordinator - Ms. Dunn works with students who need assistance related to academic petitions, creating a plan of study, problems or issues related to their progress toward graduation and more.
The Center for Academic Advising and Student Support is staffed by an Advising Coordinator, a Teacher Licensure Specialist, a half-time Receptionist, a Professional Academic Advisor and Graduate Students who serve as academic advisors. The graduate students are completing master's degrees that lead to careers in the helping professions. Graduate students who serve as advisors are typically hired for a year-long employment in the Center and must go through an extensive training program prior to assuming their advising responsibilities. Advisors in the Academic Advising Center are available to assist any student. The Center is located in Peters Hall, room A104. Center hours during the fall and spring semesters are 8:00 am until noon and 1:00 pm to 5:00 pm, Monday thru Friday.
Lauren Thomas - Assistant Academic Advising Coordinator- Ms. Thomas works with students who are having problems meeting program requirements, new transfer students and all Exercise, Sport, and Health Education Freshmen. She is available to meet with any student interested in changing their major to one in the College and also meets with prospective students interested in Radford University and the College.
Mia Drobnjak - Mia is available to assist any student who: has an interest in and wants to learn about any program in this college, needs clarification about academic policies and procedures, wants to learn about pursuing a teacher preparation program, and has other questions about programs, policies, or requirements
Caitlin Camarada - Caitlin is available to assist any student who: has an interest in and wants to learn about any program in this college, needs clarification about academic policies and procedures, wants to learn about pursuing a teacher preparation program, and has other questions about programs, policies, or requirements.
Libby Hall - Teacher License Specialist - Ms. Hall works with students when they complete their program/degree and apply for their Virginia teaching license. She also provides guidance and information to prospective students seeking their initial teaching license. Any question relating to a Virginia teaching license should be directed to Ms. Hall. In addition, she performs numerous tasks to support the Advising Center including updating the webpage, creating event announcements, and scheduling appointments for staff members.
Joyce Nester - Receptionist - Ms. Nester serves as the receptionist during the afternoon hours. She directs Center visitors to appropriate offices in the Center, in the Dean's suite, faculty offices, and other locations across campus. She also provides general information and processes all declaration of major/minor forms.


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The taboos around our bodies, and around the vagina, in particular, allow shame to flourish. Could embracing the vagina eradicate sexual violence?
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Stylewatch Style News Now
12/11/2012 at 09:00 AM ET
Kelly Jordan/Startraks
She's said it before and she'll say it again: "I'm just not good at makeup," Nicole Richie tells PEOPLE. "I know how to do two things: I know how to do a cat eye and I know how to do red lipstick. Other


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Jan 24 2008
Do You Love Middle School?
Well, this is a little off-topic, but we're having so much fun and getting so much work done in our small class that I thought we'd talk about something a little different today! Tell everyone why you like or don't like middle school – is it better than elementary? What's harder about middle school? Anything easier?


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The main reason banks didn't lend out bailout funds is actually pretty simple: Many of them needed the money just to survive. Which leads to another of the bailout's broken promises – that taxpayer money would only be handed out to "viable" banks.
Soon after TARP passed, Paulson and other officials announced the guidelines for their unilaterally changed bailout plan. Congress had approved $700 billion to buy up toxic mortgages, but $250 billion of the money was now shifted to direct capital injections for banks. (Although Paulson claimed at the time that handing money directly to the banks was a faster way to restore market confidence than lending it to homeowners, he later confessed that he had been contemplating the direct-cash-injection plan even before the vote.) This new let's-just-fork-over-cash portion of the bailout was called the Capital Purchase Program. Under the CPP, nine of America's largest banks – including Citi, Wells Fargo, Goldman, Morgan Stanley, Bank of America, State Street and Bank of New York Mellon – received $125 billion, or half of the funds being doled out. Since those nine firms accounted for 75 percent of all assets held in America's banks – $11 trillion – it made sense they would get the lion's share of the money. But in announcing the CPP, Paulson and Co. promised that they would only be stuffing cash into "healthy and viable" banks. This, at the core, was the entire justification for the bailout: That the huge infusion of taxpayer cash would not be used to rescue individual banks, but to kick-start the economy as a whole by helping healthy banks start lending again.
The Scam Wall Street Learned From the Mafia
This announcement marked the beginning of the legend that certain Wall Street banks only took the bailout money because they were forced to – they didn't need all those billions, you understand, they just did it for the good of the country. "We did not, at that point, need TARP," Chase chief Jamie Dimon later claimed, insisting that he only took the money "because we were asked to by the secretary of Treasury." Goldman chief Lloyd Blankfein similarly claimed that his bank never needed the money, and that he wouldn't have taken it if he'd known it was "this pregnant with potential for backlash." A joint statement by Paulson, Bernanke and FDIC chief Sheila Bair praised the nine leading banks as "healthy institutions" that were taking the cash only to "enhance the overall performance of the U.S. economy."
But right after the bailouts began, soon-to-be Treasury Secretary Tim Geithner admitted to Barofsky, the inspector general, that he and his cohorts had picked the first nine bailout recipients because of their size, without bothering to assess their health and viability. Paulson, meanwhile, later admitted that he had serious concerns about at least one of the nine firms he had publicly pronounced healthy. And in November 2009, Bernanke gave a closed-door interview to the Financial Crisis Inquiry Commission, the body charged with investigating the causes of the economic meltdown, in which he admitted that 12 of the 13 most prominent financial companies in America were on the brink of failure during the time of the initial bailouts.
On the inside, at least, almost everyone connected with the bailout knew that the top banks were in deep trouble. "It became obvious pretty much as soon as I took the job that these companies weren't really healthy and viable," says Barofsky, who stepped down as TARP inspector in 2011.
This early episode would prove to be a crucial moment in the history of the bailout. It set the precedent of the government allowing unhealthy banks to not only call themselves healthy, but to get the government to endorse their claims. Projecting an image of soundness was, to the government, more important than disclosing the truth. Officials like Geithner and Paulson seemed to genuinely believe that the market's fears about corruption in the banking system was a bigger problem than the corruption itself. Time and again, they justified TARP as a move needed to "bolster confidence" in the system – and a key to that effort was keeping the banks' insolvency a secret. In doing so, they created a bizarre new two-tiered financial market, divided between those who knew the truth about how bad things were and those who did not.
A month or so after the bailout team called the top nine banks "healthy," it became clear that the biggest recipient, Citigroup, had actually flat-lined on the ER table. Only weeks after Paulson and Co. gave the firm $25 billion in TARP funds, Citi – which was in the midst of posting a quarterly loss of more than $17 billion – came back begging for more. In November 2008, Citi received another $20 billion in cash and more than $300 billion in guarantees.
What's most amazing about this isn't that Citi got so much money, but that government-endorsed, fraudulent health ratings magically became part of its bailout. The chief financial regulators – the Fed, the FDIC and the Office of the Comptroller of the Currency – use a ratings system called CAMELS to measure the fitness of institutions. CAMELS stands for Capital, Assets, Management, Earnings, Liquidity and Sensitivity to risk, and it rates firms from one to five, with one being the best and five the crappiest. In the heat of the crisis, just as Citi was receiving the second of what would turn out to be three massive federal bailouts, the bank inexplicably enjoyed a three rating – the financial equivalent of a passing grade. In her book, Bull by the Horns, then-FDIC chief Sheila Bair recounts expressing astonishment to OCC head John Dugan as to why "Citi rated as a CAMELS 3 when it was on the brink of failure." Dugan essentially answered that "since the government planned on bailing Citi out, the OCC did not plan to change its supervisory rating." Similarly, the FDIC ended up granting a "systemic risk exception" to Citi, allowing it access to FDIC-bailout help even though the agency knew the bank was on the verge of collapse.
The sweeping impact of these crucial decisions has never been fully appreciated. In the years preceding the bailouts, banks like Citi had been perpetuating a kind of fraud upon the public by pretending to be far healthier than they really were. In some cases, the fraud was outright, as in the case of Lehman Brothers, which was using an arcane accounting trick to book tens of billions of loans as revenues each quarter, making it look like it had more cash than it really did. In other cases, the fraud was more indirect, as in the case of Citi, which in 2007 paid out the third-highest dividend in America – $10.7 billion – despite the fact that it had lost $9.8 billion in the fourth quarter of that year alone. The whole financial sector, in fact, had taken on Ponzi-like characteristics, as many banks were hugely dependent on a continual influx of new money from things like sales of subprime mortgages to cover up massive future liabilities from toxic investments that, sooner or later, were going to come to the surface.
Now, instead of using the bailouts as a clear-the-air moment, the government decided to double down on such fraud, awarding healthy ratings to these failing banks and even twisting its numerical audits and assessments to fit the cooked-up narrative. A major component of the original TARP bailout was a promise to ensure "full and accurate accounting" by conducting regular "stress tests" of the bailout recipients. When Geithner announced his stress-test plan in February 2009, a reporter instantly blasted him with an obvious and damning question: Doesn't the fact that you have to conduct these tests prove that bank regulators, who should already know plenty about banks' solvency, actually have no idea who is solvent and who isn't?
The government did wind up conducting regular stress tests of all the major bailout recipients, but the methodology proved to be such an obvious joke that it was even lampooned on Saturday Night Live. (In the skit, Geithner abandons a planned numerical score system because it would unfairly penalize bankers who were "not good at banking.") In 2009, just after the first round of tests was released, it came out that the Fed had allowed banks to literally rejigger the numbers to make their bottom lines look better. When the Fed found Bank of America had a $50 billion capital hole, for instance, the bank persuaded examiners to cut that number by more than $15 billion because of what it said were "errors made by examiners in the analysis." Citigroup got its number slashed from $35 billion to $5.5 billion when the bank pleaded with the Fed to give it credit for "pending transactions."
Such meaningless parodies of oversight continue to this day. Earlier this year, Regions Financial Corp. – a company that had failed to pay back $3.5 billion in TARP loans – passed its stress test. A subsequent analysis by Bloomberg View found that Regions was effectively $525 million in the red. Nonetheless, the bank's CEO proclaimed that the stress test "demonstrates the strength of our company." Shortly after the test was concluded, the bank issued $900 million in stock and said it planned on using the cash to pay back some of the money it had borrowed under TARP.
This episode underscores a key feature of the bailout: the government's decision to use lies as a form of monetary aid. State hands over taxpayer money to functionally insolvent bank; state gives regulatory thumbs up to said bank; bank uses that thumbs up to sell stock; bank pays cash back to state. What's critical here is not that investors actually buy the Fed's bullshit accounting – all they have to do is believe the government will backstop Regions either way, healthy or not. "Clearly, the Fed wanted it to attract new investors," observed Bloomberg, "and those who put fresh capital into Regions this week believe the government won't let it die."
Through behavior like this, the government has turned the entire financial system into a kind of vast confidence game – a Ponzi-like scam in which the value of just about everything in the system is inflated because of the widespread belief that the government will step in to prevent losses. Clearly, a government that's already in debt over its eyes for the next million years does not have enough capital on hand to rescue every Citigroup or Regions Bank in the land should they all go bust tomorrow. But the market is behaving as if Daddy will step in to once again pay the rent the next time any or all of these kids sets the couch on fire and skips out on his security deposit. Just like an actual Ponzi scheme, it works only as long as they don't have to make good on all the promises they've made. They're building an economy based not on real accounting and real numbers, but on belief. And while the signs of growth and recovery in this new faith-based economy may be fake, one aspect of the bailout has been consistently concrete: the broken promises over executive pay.
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Michele Biaso, Staff writer
Terry Lilley
Carlo Allegri/Reuters
Seattle Seahawks running back Marshawn Lynch officially started his contract holdout Friday by not attending the first day of training camp in Renton, Washington.
REUTERS/Phil McCarten
You can calm down now, Internet. Ben Affleck has gotten the original TV Batman's stamp of approval.
Adam West told People magazine at San Diego Comic-Con on Thursday that he has faith in Affleck's ability to carry the role of the Caped Crusader in the...


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OUTSIDE SEATTLE, WA -- Local police identified and arrested a 56-year-old man in connection with the April 23, 1980 rape and murder of a 19 year-old woman.
According to charging papers filed by the Bellevue Police Department, Susan Barbara Lowe was discovered strangled in her apartment at 2501 148th Ave SE, then known as the Quorum Apartments, now known as the Carrington Apartments the morning after she died.
Michael Allan Halgren, who was 23-years-old at the time of the murder, grew up at his parents' home in on 151st Avemue SE in Bellevue, three blocks away from Lowe's apartment, according to Bellevue Police Det. Jerry Johnson's statement in the court papers.
Halgren, a resident of McNeil Island's Special Commitment Center, was identified last year via DNA obtained from sperm found at the scene in 1980.
Halgren had not been identified as a suspect until the DNA match made last year, said Bellevue Police Department spokeswoman Officer Carla Iafrate.
The case went cold in the 1980s after all investigative leads were exhausted, but Bellevue detectives continued to investigate the case on and off for the next three decades, she said.
The case had been assigned to the Bellevue Police Department's Violent Crime's unit, which investigates cold cases as evidence comes in, she said.
"The detectives who initially worked on the case have retired," Iafrate said.
According to Johnson's statement, the DNA evidence filed into the Washington State Patrol Crime Lab database in 2001 hit a match with Halgren in 2012, when the database was updated to include civilly committed sexually violent predators at the McNeil Island Special Commitment Center.
Lowe was last seen alive around 7 p.m. April 23, 1980, when she told her roommate that she planned to stay in and watch the Seattle Supersonics game on television, according to the court documents. Around 10 p.m. that night -- while "Charlie's Angels" was on TV -- Lowe's neighbors heard a knock at Lowe's door, then a banging noise as if something hit a wall, running sounds and a muffled scream, but did not act on what they heard, according to the charging papers.
Lowe's roommate discovered her the next morning, positioned and covered in her bed, in what investigators said was an attempt to make her look like she was asleep, according the court papers.
Halgren had been civilly committed at McNeil Island after a history of past sexual related convictions, according to the press release. Halgren's criminal history included a conviction in the 1989 kidnapping and rape of a woman in Bellevue, and other sexual related crimes in Seattle.
Bellevue detectives interviewed Halgren in connection with the case last year. According to Johnson's statement in court papers, Halgren told detectives that in 1980, he worked at the Boeing plant in Bellevue on Kamber Road, and he told detectives that after work he would either go home to Fall City, go to his fiancee's apartment in Bellevue or buy marijuana from a dealer who lived across the street from the Quorum Apartments.
According to court papers, Halgren said he didn't know Lowe and disputed the validity of the DNA match.
Lowe's roommate, who was re-interviewed, said she never heard Halgren's name come up or recognize his photo.
The King County Prosecutor's Cold Case Unit filed a charge of Murder in the First Degree Wednesday against Halgren.
Bellevue detectives arrested Halgren Wednesday at McNeil Island, and he was transferred to King County Jail on a no-bail bond, according to the press release.
"It's always rewarding to solve any case, but especially a cold case. To assist in some way the long awaited closure for family members of their loved one, is gratifying for not only the family members but for all us at the Department," said Detective Lieutenant Jim Hershey.
According to the King County Prosecuting Attorney's office, if Halgren is convicted as charged, he faces a sentence of up to life in prison. Arraignment is scheduled for 8:30 a.m. Jan. 23 in the King County Courthouse.
Bellevue Patch will update this story as it receives more information.


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Riku Helenius is on unconditional waivers today, for the purpose of terminating his contract with the Tampa Bay Lightning.
The Finnish former first round draft pick has struggled this season and fallen well out of the organization's favor.
It's been 80 days since Tampa Bay last played in Montreal. Last time, they were under the cloud of injury and upheval... Just like they are now.
It's not news that the Tampa Bay Lightning may want to add strength at the blue line before the NHL trade deadline... It is, however, a stretch to insinuate that a player who hasn't played in two...
Syracuse ends the holiday week on an upswing, stopping their losing streak at five and winning both of their weekend games. The team is now a quarter of the way through the AHL season.
The netminder had won his last start for Syracuse, and is 2-1 with a 2.35 goals-against average and a .903 save percentage this season.
Eastern Conference teams face Western Conference teams twice ina season under schedule reform. And the Bolts are done with Chicago after tonight, 20 days after playing them the last time.
Twenty-three men fill out the Lightning roster, here's the projected lines and some depth discussion.
Kris Versteeg and Jonathan Huberdeau expected to play tonight with Tim Thomas' first appearance also a possibility,
Brampton will share development duties for Tampa with the ECHL's Florida Everblades and the AHL's Syracuse Crunch.
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This may have been discussed in the past and I ask it in Spell of the Highlander but I will ask again...
Fever Series clues in the Highlander books:
On pg 330 in Spell of the Highlander and I quote, "Only this morning an unusual man with long coppery hair and shimmering copper eyes had sought out, claiming to have knowledge of the ciphers in which the Dark Book was written. The man had dripped a deep-seated arrogance that could only have been born of some kind of power-either his own, or close association with someone who made him fearless...But the man had told him he'd actually lived among thr Fae for a time, he'd been familiar with the runes on the Hallows, and he'd spoken a tongue he'd alleged was of the Tuatha De themselves. He'd also displayed an intimate knowledge of the Seelie and Unseelie courts. It had been enough to stay Lucan's hand.
I believe that the person who came to visit Lucan is the Lord Master, Darroc based on the description. My mother believes it was JZB casting a glamour of some sort (or that Karen had not yet decided what Barrons would look like however we think that is unlikely). What are your opinions?


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|City of Eagan's Puppet Wagon
Event Type: Arts/Entertainment
Age Group(s): Children, Preschool, School Age
Date: 8/5/2013
Start Time: 6:00 PM
End Time: 6:30 PM
Bring a chair or a blanket and enjoy outdoor singing, dancing, fun and entertainment for the whole family. Meet at our parking lot steps. Ages: 2-10.Library: Dakota County Library at Eagan (Wescott) Map


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Fun Family Four-Day Weekend
by xtine618 - 26th February 2012
Pros: AWESOME MILITARY DISCOUNT! Great staff
Cons: Fog, expensive food
First, I have to say that I can only review a very small area of the mountain. We're beginners so we didn't go to the summit. They had really good green r... Full review


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Hong Kong Hotels
Hong Kong Hotel Reviews
Whether you're a business traveler or a casual tourist, you'll inevitably be caught up with the manic pace of life in Hong Kong. Luckily, hotels are constantly increasing their efforts to provide their guests with a restful haven, often bundling spectacular views of the famous skyline and harbor with chic luxury, snazzy amenities, and soothing ambience.
From budget guesthouses to gleaming towers, you're sure to find a style and site to fit your needs. Prices tend to reflect quality of service and amenities as well as location, so it's worth the effort to examine neighborhoods closely when making your choice—you may end up paying the same to stay exactly where you want to be as you would to be off the beaten path.
The rock stars of Hong Kong's hotel industry are perfectly situated around Victoria Harbour, offering unobstructed harbor views, sumptuous spas, and reputable service to compete for the patronage of business-suited jet-setters, status-sensitive mainland tourists, and any visitor willing to splurge for uncompromised luxury. Farther up the hills on both Kowloon and Hong Kong Island, cozy hotels have blossomed over the past five years and seduce travelers who simply want a safe and practical place to crash in a trendy locale.
Travelers familiar with European cities might be surprised by the lack of provenance among Hong Kong hotels—the 80-plus-year-old Peninsula passes as the venerable old timer in this brashly new city where most hotels are perched in modern towers. And the scene keeps changing: Hong Kong's continued growth as a top tourist destination and business capital means that when it comes to choice of lodging, the next big thing is always around the corner. The Ritz-Carlton, Hong Kong, recently hit the heights when it began hosting guests on the 102nd through 118th floors of the ICC tower in Kowloon, suggesting that on the Hong Kong hotel scene the sky really is the limit.
Browse Hong Kong Hotels
Hong Kong Fodor's Choice Hotels
- Alisan Guest House
- $
- Causeway Bay
- Bishop Lei International House
- $
- Central
- Four Seasons Hotel Hong Kong
- $$$$
- Central
- Hop Inn Carnarvon
- $
- Tsim Sha Tsui
- Hotel ICON
- $$
- Tsim Sha Tsui
- InterContinental Hong Kong
- $$$
- Tsim Sha Tsui
Browse Hong Kong Hotels By Location
- 80 Degrees: Fodor's Helps You Find Your Best Beach Vacation Spots
- Fodor's Go List 2014: Where we are going in 2014
- Fodor's 100 Hotel Awards: Check out the winners of 2013
- Weekend Getaways: Fodor's Recommends the Best Weekend Escapes in the US
- Great American Vacation: Find Your Next U.S. Trip with Fodor's


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Guest Author - Amelia Tucker
There is a perfect time for everything. Perfecting your spellwork comes with practice. Lets explore timing your spells to add depth to the ritual. In this first of Spellwork series, we will look at the most well known timing, the moon.
Spells by the Moon
Watching and learning the phases of the moon is a very important part of connecting with the earth. The moon has 4 phases: New moon, waxing moon, full moon and waning. Each phase has its own particular strengths. Each phase lasts 7 days with 3 days before and 3 after. The entire cycle of all 4 phases make up the 28 day lunar cycle.
New moon is a great time for healing work. Casting positive spells or drawing spells are especially fruitful at this time. This is also good for planting herbs that grow above ground and reseed themselves, above ground crops such as corn and onions are good to plant now too.
Waxing moon is a powerful time magically speaking. Energies are balanced. It is a time of increase as the full moon is approaching. Spellwork for increasing money, balance and harmony in a relationship are good during this time. Planting seedpod bearing plants now such as beans and peas.
Full moon is a time for the most powerful, positive magic as it is the height of energy then. For the most impact, time your work to be done within the three days before vs the three days after as energy is increasing up to the actual moment that the moon is full. Then even though it is still the full moon phase, energy is decreasing from that point on. For your garden, all things that grow below the ground like bulbs and root crops should be planted now.
Waning moon is a time for releasing unwanted negativity in our lives.Banishing spells are timely now. Meditation is especially useful at this time. For planting, the waning moon is the best time to plant perennials and trees. Root vegetables should be planted now as well.
This is a rudimentary idea of moon phases. There is far more surrounding moon knowledge that can take a lifetime to learn. If you feel drawn to learning moon magic there are wonderful charts to keep track of the moon phases at a glance. I have included a few links for you.
Next week we will look at another form of timing your spells, days of the week.


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Results 1 to 1 of 1
Thread: Indian Wanting Coffee
Indian Wanting Coffee
An Indian walks into a cafe with a shotgun in one hand and pulling a male buffalo with the other. He says to the waiter:
"Want coffee."
The waiter says, "Sure Chief. Coming right up."
He gets the Indian a tall mug of coffee.....
The Indian drinks the coffee down in one gulp, turns and blasts the buffalo with the shotgun, causing parts of the animal to splatter everywhere and then just walks out.
The next morning the Indian returns.
He has his shotgun in one hand, pulling
another male buffalo with the other.
He walks up to the counter and says to
the waiter:
"Want coffee."
The waiter says, "Whoa, Tonto!
We're still cleaning up your mess from yesterday. What was all that about, anyway?"
The Indian smiles and proudly says,
"Training for position in United States Congress.
Come in, drink coffee, shoot the bull, leave mess for others to clean up,
Disappear for rest of day."
"A strong man stands up for himself. A stronger man stands up for others."
The old sheriff was attending an awards dinner when a lady commented
on his wearing his sidearm. "Sheriff, I see you have your pistol. Are you
expecting trouble?" "No Ma'am. If I were expecting trouble, I would have
brought my rifle."
(just stole this one hope you don't mind)
The trouble with our liberal friends is not that they are ignorant,
it is just that they know so much that isn't so.
President Ronald Reagan
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Comments On Apr 16, 2014:Nice oil but my favorite part is the bottle it comes in. It makes it really easy to measure and pour into the transmission.
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Comments On Apr 15, 2014:This is my first time using this oil, but it has helped with accidentaly finding neutral. Still do from time to tiem, but not as bad as when I just used oil in the trans. Price is fair and I will be using this from now on.
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Comments On Dec 21, 2013:Its a bright red at first and will become dark and thicker when it needs changing. I usually change every 2-3 rides and its not to dirty but that's just me. you can always check it but this oil does well for lots of rides.
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Oct. 31, 2012
Coach Momic's Comments Following Wednesday's Practice
NEW ORLEANS - The Tulane University volleyball team returns to action on Thursday, Nov. 1, when the Green Wave play host to Conference USA foe Tulsa at 7 p.m. in the Hertz Center.
The match figures to be a big one for both teams as the Green Wave are still trying to lock down a spot in the upcoming C-USA Volleyball Championship while the Golden Hurricane are aiming to maintain its spot atop the league standings.
Volleyball Drops Straight-Sets C-USA Decision At Tulsa
Junior setter Mel Mandelbaum posted a double-double with 11 assists and 11 digs, but it was not enough as the Tulane University volleyball team dropped a 3-0 Conference USA decision to Tulsa on Sunday afternoon at the Donald W. Reynolds Center.
"To make the tournament, we have to play every game, every set and ever match the best that we can and hope for the best," Tulane head volleyball coach Sinisa Momic said. "There is a chance but we have to play our best over these last four matches. Every set can be a difference maker for us."
Tulane is one match behind Memphis and Southern Miss, who share the No. 9 spot in the conference standings with 4-8 league records, and two matches in back of the 6-6 Houston, Marshall and SMU teams for sixth. While the Wave dropped their lone regular-season meetings with Memphis and Southern Miss, Tulane does have a 1-1 split with Houston to its credit. The Green Wave will have a chance to potentially climb the standings with a home match against SMU on Sunday and a road match at Marshall on Nov. 9.
As a team, Tulane is averaging 12.02 kills, 11.37 assists, 14.77 digs and 1.84 blocks per set. Junior outside hitter Cori Martone, who returned to the line-up last week at UTEP after missing the previous three matches with a shoulder injury, leads the squad with 3.60 kills per set. Senior right-side hitter Milica Jovic and sophomore outside Grace Weaver follow with respective averages of 2.57 and 2.00.
Tulane is hitting .184 (1130 kills, 531 errors, 3262 attempts) on the season while allowing opponents to attack at a .228 clip (1226k-475e-3295a). Green Wave opponents are averaging 13.04 kills, 11.95 assists, 14.68 digs and 2.33 blocks per set so far in 2012.
"Cori is back, but Mel hasn't been practicing for three weeks now," Momic said. "That doesn't help, but at least she's playing in the matches. There's nothing we can really do about it. It's a serious injury, but we just can't afford to practice her and she's just playing games for us.
"Originally, the idea was to have Grace play libero from start to finish for us this season. We were not happy with the way our outsides were playing, and at that point Grace was our best outside. We had to play her there and that disrupted our libero position. We're at a point now where some people have stepped it up on the outside, Grace is getting more comfortable at libero, and we're going to stick with the lineup and try and develop it for next year."
Tulsa, meanwhile, comes to town 18-8 on the year, 11-1 in C-USA play and riding the crest of a five-match winning streak which includes 3-0 sweeps of Memphis and UAB last weekend. As a team, the Golden Hurricane are averaging 14.60 kills, 13.48 assists, 17.91 digs and 1.57 blocks per set.
Two-time All-American and Conference USA Player of the Year Tyler Henderson leads the team with 5.23 kills per set while Jordan Clampitt has a team-best 7.96 assists per frame. Jessica Adams leads the Tulsa defense with 5.20 digs per set and Carly Boatwright headlines the front-line "D" with 0.68 blocks per outing.
Tulsa is hitting .214 (1402k-566e-3912a) for the year while allowing its opponents to hit .175 (1104k-487e-3516a). Golden Hurricane foes are averaging 11.50 kills, 10.93 assists, 17.19 digs and 2.45 blocks per set.
"For years, they've been the best team in the conference that, in my opinion, has the best player in the conference that gives them all the confidence they need," Momic added. "When they get in trouble, she can score points. On the other hand, we've had a pretty difficult season. I hope that we will accept the challenge and play our best against a team like this and make it very competitive."
Following Thursday's showdown with the Golden Hurricane, Tulane will close out the home portion of its schedule on Sunday, Nov. 4, when the Green Wave take on SMU at 1 p.m. in the Hertz Center. During that contest, Tulane will honor the 2012 senior class of Jovic, Wolfe and Izabela Grot with a special ceremy.
Tickets this week's matches, as well as future Green Wave events, are currently for sale through the Tulane Athletics Ticket Office. The Ticket Office is located on the first floor of the Wilson Center on Ben Weiner Drive, and tickets can be purchased in person, over the phone at 504-861-WAVE (9283) or via the Internet at www.TulaneGreenWave.com.


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Lockport Union-Sun & Journal
Lockport Union-Sun & Journal —
The victim of the shooting outside of the Gulf Station on Washburn Street on Thursday has been identified as Richard P. Vance, 44, of Lockport.
There were reports of three shots fired at Works Place. According to Detective Lieutenant Scott Seekins, one bullet is still in the victim who was treated at Erie County Medical Center and one bullet went through a first-story window at Harrison Place.
Harrison Place is on the other side of Works Place at the corner of Wasburn and Walnut Streets.
Vance was shot outside the Gulf gas station located on Washburn Street and Works Place alley, about 4:45 p.m. Thursday. He was seen limping away from the scene and was found by police hours later in a Washburn Street apartment.
The police department is still investigating, Seekins said. The police believe Vance was shot after being in a verbal argument with two black males inside the busy convenience store.
In 2007, Vance was involved in a drug-related incident. He was charged with seventh-degree criminal possession of a controlled substance after the Niagara County Drug Task Force executed a search warrant of a Genesee Street. A Lockport woman and two men from the Bronx were also charged.
"We've looked at the history and can't connect the dots right now," Seekins said.
Police have tried to identify the suspects from a video that was taken in the store before the shooting. One of the suspects is possibly known to police, but his face is partly shielded by a hoodie in the video.


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In which BracketCat counts down the 83rd day until kickoff with a profile of wide receiver Dominique Heath.
The stats weren't great, but the bigger number on KSU's side of the scoreboard in Norman ensured Klein's stock would rise.
In which BracketCat counts down the fourth day until kickoff with a profile of linebacker Arthur Brown.
In which BracketCat counts down the 69th day until kickoff with a profile of offensive lineman Tavon Rooks.
My sources confirm an agreement in principle has been reached for Clemson to join the Big 12.@CoryFravel
In which hated Baylor, really hated Kansas and truly hated (for now) Syracuse all advance to the Elite Eight. Dammit.
In which No. 1 seeds Kentucky and Syracuse cruelly eject Iowa State and Kansas State, Kansas barely survives a scare from the Burdue Boilermakers, and Baylor trounces the "Big 12 rejects."
In which Alabama, Long Beach State, Missouri, Southern Miss, Texas and West Virginia fail to win an NCAA Tournament game, while Baylor, Iowa State, Kansas, Kansas State and Syracuse live to fight...
Every 12 hours, BracketCat will preview an NCAA Tournament region, leading up to the second-round games Thursday. This entry previews the East Region.
In which Long Beach State finally breaks through and Missouri breaks Baylor on its way out the door.
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text:
Patrick Buchnowski
A Summerhill Township man died Wednesday after being hit in the head with an aluminum bat two days earlier.
The man who attacked him is expected to be charged with homicide.
In a criminal complaint, township police said Gregory Russell Conzo, 50, hit Michael Pcola, 37, with the bat during a domestic dispute Monday at a home on Sierra Street.
Pcola was taken to Memorial Medical Center in Johnstown with brain trauma, police said.
Conzo, of the 100 block of Sierra Street, was charged Tuesday with criminal attempted homicide, aggravated assault, aggravated assault with a weapon, simple assault and reckless endangerment.
Township police Chief Paul Bonfanti said earlier Wednesday the attempted homicide charge would be upgraded to homicide if Pcola did not survive.
It was later learned that Pcola died from his injures. Cambria County Coroner Dennis Kwiatkowski confirmed that Pcola died at 3:33 p.m. in Memorial's ICU.
A cause of death will not be determined until an autopsy is performed Friday, Kwiatkowski said.
Police said they arrived at the Sierra Street home and found Pcola lying on his back, not breathing. Officer Donald Wyar began CPR and was able to get a heartbeat, a court document reads.
A woman at the scene told police Conzo struck her in the arm with the bat and then hit Pcola in the left side of the head. Conzo left the scene with the bat and was caught later, police said.
The woman said the incident started with a dispute between her, Conzo and the couple's daughter.
When Michael Pcola came downstairs to intervene, Conzo struck him with the bat, police said.
Conzo was arraigned by on-call District Judge Michael Zungali of Hastings and was sent to the Cambria County Prison after failing to post 10 percent of $100,000 bond.
Authorities are investigating.
To read stories in their entirety, visit one of these links:
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Apply Now for International Students
The following information will guide you through the application process for undergraduate admission. Your admission counselor can assist you at any time throughout your application process!
While not required, we strongly encourage all applicants to have a personal interview and campus tour.
You MUST complete Steps 1 and 2 below for your online application to be considered. The College Board code number for Regis College is 3723.
- Complete and submit an online application for undergraduate admission:
In addition to the application, first-year applicants are required to submit:
- The application fee (US $50)
- Official secondary school transcripts (in English) showing their courses and grades/marks and copies of any national examination results, certificates, or diplomas*
- Two letters of recommendation (in English); one from a teacher of an academic subject
- TOEFL or IELTS or CAE results if English is not the first language (see ESL Support). Note: Standardized test results (SAT or ACT) are optional, except for applicants to the nursing program.
Official English translation of transcript(s), if applicable by an agency approved by the American Council on Education. International students in need of having their Official Transcripts translated are recommended to submit their information to:
Center for Educational Documentation
PO Box 170116
Boston, MA 02117
*Transfer applicants must submit official transcripts of all college coursework, as well as catalog course descriptions in order to receive a transfer credit evaluation. Transfer students who completed college or university courses outside the U.S. must have their transcripts translated in English and credits evaluated by a recognized agency, such as WES, the Center for Educational Credentials, or Educational Credential Evaluators. Learn more at: www.regiscollege.edu/intlapply
Please note
The United States Department of Justice, Immigration, and Naturalization Service's Form I-20 cannot be sent until a student has been accepted for admission, has forwarded the enrollment deposit, and has submitted a Declaration of Finances form and/or official bank statement to Regis College.
If you have previously applied and wish to reactivate your application for Undergraduate Admission to Regis College, you must submit an Application Reactivation Form to the Office of Admission. Regis College will reactivate a student file within two years of its original date of submission. In addition to completing this form, we may require additional documentation in order to render an admission decision. If additional information is required, an admission representative will contact you. Submission of this form does not guarantee re-admission, since a full review of your file must take place.
Questions? E-mail the Office of Admission or call 1-866-438-7344. We look forward to reviewing your application!


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About.com's 2013 Readers' Choice Awards highlight the best of the web in topics that include technology, education, parenting, hobbies and crafts, music, books, job searching, and more.
These are the finalists in the 2013 HR Readers' Choice Awards. Voting on your favorites will run from February 19 at 10:00 a.m. through March 19. The winner in each category will be announced on March 27. The winners of the Readers' Choice Awards will have the opportunity to display the coveted About.com Readers' Choice Awards badge on their website.
The Human Resources site seeks votes in seven categories during this initial year. They are:
Best Site to Find HR Jobs
Do you have a favorite site that you visit when you are searching for jobs in Human Resources? We'd like to provide a resource for readers of the HR site. So, we're looking for sites that offer the widest variety of HR jobs in a range of levels within an organization. Vote on the jobs site where you are most likely to find an HR job.
Best Site for HR Legal Information
Human Resources staff spend a great deal of time looking for legal information to guide day-to-day actions and policy development and decisions. The legal landscape changes constantly with new laws and regulations and court decisions. Please vote on the site you most rely on for accurate and insightful legal information.
Best Social Media Site for Recruiting Employees
Over the past couple of years, social media sites have become an integral part of your recruiting toolkit. The value of your employee referrals versus other methods for locating potential employees has also escalated. Social media sites give you the best opportunity to tap into your own network of contacts and the extended networks of your employees. You can find great employees by actively seeking them in social media. What's your best and favorite social media site for recruiting employees?
Best HR Talent Management Software
The world of talent management software is exploding with new products. Education software, learning management systems, goal and performance management tools, succession management, recruiting, and compensation management are the main areas that talent management software provides for employers? Do you have a favorite?
Favorite Human Resources Blog
Human Resource blogs range all over the web from recruiting blogs to just starting out in HR blogs, from HR management to HR humor and everywhere in between. There are group blogs, individual blogs, blogs that concentrate on one aspect of HR, and blogs that cover the field. We're looking for the HR blogs that you don't want to miss, that you make a point of visiting, or reading regularly in your RSS feed. These are not the blogs posts that you delete from email when you're busy. These are the ones you actually read. Please vote for your favorite.
Best Site to Find Potential Employees
On the early web job boards, you could find thousands of jobs from every industry posted. As the years passed, the big job boards still exist but many new sites specialize in particular kinds of employees. Or they specialize in particular industries. Some even consolidate job postings from across the web. We're looking for the best site you've found for locating potential employees. If you could recruit employees at just one location, where do you recommend for best success.
Best Tool to Use for Recruiting Employees
Have you tried using some of the online tools for recruiting? Whether it's a tool that automatically duplicates your job posting across 100s of job boards or recruiting software that brings you candidates that match your job, recruiting tools are proliferating. We'd like you to share your favorite. Please vote for your best tool that you use for recruiting employees.


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Lyle, 30, is alleged to have been concerned in the supply of illegal substances.
The striker's girlfriend, Nicola Mullen, 29, also appeared in court charged with the same offence.
Morton striker Derek Lyle has appeared in court charged with drug dealing.
Lyle, 30, is alleged to have been concerned in the supply of illegal substances.
The striker's girlfriend, Nicola Mullen, 29, also appeared in court charged with the same offence.
We moderate all comments on Evening Times on either a pre-moderated or post-moderated basis. If you're a relatively new user then your comments will be reviewed before publication and if we know you well and trust you then your comments will be subject to moderation only if other users or the moderators believe you've broken the rules
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Alicia Keys is getting ready for another big release - her second child.
Downton Abbey fans can live like the Crawley family for a few hours - and even learn the skills of their staff - to raise money for charity.
The final song to be written by the late Robin Gibb, recorded in a bedroom using an iPad, is to be released on an album of previously unheard recordings by the Bee Gees star.
Justin Bieber has seemingly taunted British actor Orlando Bloom after their reported altercation in Ibiza, posting a picture on his Instagram account of the Lord Of The Rings star crying.
TRIMS from old pillowcases and cardigans, scraps of tweed and jewel-coloured silks are proving to be the foundation for new artwork.
Her deep brown eyes surveyed the dusty, sun-kissed plains and suddenly caught my gaze.
This recipe will allow you to make your own sourdough bread by producing a starter which is called a 'levain'.
Topolabamba, 89 St Vincent Street, Glasgow, G2 5TF
You couldn't make up half the stuff that happens to PA Janice Bell- some of the jams she gets herself into are worth a story or two.
Putting the world to rights
Well done John Barrowman for redefining the Glasgow kiss at the opening ceremony.
Cat Cubie's job is to find and share with you the fabulous things the city has to offer, from gigs to gastro.


text:
The Daily Star
---- — If you were hoping last week's elections might lessen the odds of a high-stakes game of chicken over the economy-wrecking "fiscal cliff" of tax hikes and spending cuts set for Jan. 1, don't hold your breath.
The federal status quo remains largely intact, with President Barack Obama winning another term and slight Democratic gains in the House and Senate. That means we again will enjoy the same cast and crew whose reckless impasse last summer over the debt ceiling set the stage for this winter's cutoff.
Obama wasted no time making his case – correctly, according to myriad exit polls – that most Americans would prefer a budget plan that includes not only spending cuts but also tax hikes on the wealthy.
"I just want to point out this was a central question during the election," Obama said Nov. 9. "It was debated over and over again. And on Tuesday night, we found out that the majority of Americans agree with my approach."
House Speaker John Boehner, R-Ohio, struck a conciliatory tone in his post-election comments, saying he's open to a plan that would increase federal revenue. However, he said, the plan must cut income taxes for those in the highest bracket below the current 35 percent rate, not the 39.6 percent rate looming on Jan. 1.
Senate Minority Leader Mitch McConnell, R-Ky., was more strident, saying: "Now it's time for the President to propose solutions that actually have a chance of passing the Republican-controlled House of Representatives … To the extent he wants to move to the political center, which is where the work gets done in a divided government, we'll be there to meet him half way."
McConnell's head-scratching conclusion that the elections had somehow validated or increased his leverage with Obama was echoed by Rep. Paul Ryan, R-Wisc., who said the president has no mandate to raise taxes because if you "keep raising tax rates on job creators, it will cost us jobs."
It's doubtful Ryan paid any attention to the report a week earlier from the non-partisan Congressional Budget Office, which said nixing the Bush-era tax cuts for those earning $250,000+ annually would not significantly weaken economic growth in 2013.
Nor is it likely that Ryan read the non-partisan Congressional Research Service's September report that concluded income tax cuts for the highest bracket have no correlation with increased economic growth. This might be because McConnell and other Senate Republicans pressured the CRS to remove the study from its website, over the objections of its research staff.
But studies and statistics matter only to empirical thinkers and realists, not to doctrinaire idealists such as Ryan, who's known for handing out the works of objectivist philosopher Ayn Rand to his staffers. Rand's misanthropic worldview was succinctly summed up by the protagonist Kira in her novel We the Living who said: "What are your masses but mud to be ground underfoot, fuel to be burned for those who deserve it?"
It might seem that the fiscal cliff is mainly a squabble over the Bush-era tax cuts. But it's really a battle over two almost diametrically opposed views on the state's economic role.
Ryan, McConnell and the other supply-siders believe growth is fueled by a special class of John Galt-types known as "job creators." These folks, the argument goes, would love nothing more than to hire away and send unemployment plummeting – if only we'd shift the tax burden off of them and onto the middle class.
By such logic, it makes perfect sense to sign lobbyist Grover Norquist's cultlish Taxpayer Protection Pledge, which forbids not only income tax increases on the wealthy, but requires that any tax loophole closed must be offset by opening another loophole.
And since every dollar in the Treasury is one that would always be better allocated by a private individual, it's sane and rational to mount a fanatical ni shagu nazad last stand in defense of the Bush tax cuts, no matter the cost. Exhibit A: Last year's Republican presidential primary debates, when all eight candidates flatly rejected a hypothetical deficit deal that would have offered $10 in spending cuts for every $1 in tax hikes.
In such a world, veterans who need health care; police, firefighters and teachers who'd like a living wage and pension; seniors who'd prefer not to be dragged out of their government-run nursing homes; and students who need federal loans to build a career fall into one category: "entitlement" seekers, all of whom should quit whining and tighten their belts.
Older Republican readers might remember a more rational era before their party donned this ideological straightjacket. Tried and true demand-side economics, wherein a robust middle class with plenty of expendable income is the engine of economic growth, was once a staple of both major parties, before the GOP bought into what George H.W. Bush famously derided as "voodoo economics."
In truth, the only real "job creator" in the history of human civilization is demand for goods and services. Demand has slipped in recent decades as the American middle class – the goose that lays the golden economic egg – has been squeezed, swindled, bilked and cheated out of most its expendable income. A budget solution that puts consumers first isn't just a matter of fairness, it's a matter of prudent fiscal policy.
JUSTIN VERNOLD is a copy editor at The Daily Star. Contact him at email@example.com