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NTK Rules Meeting Set
Last Updated on Wednesday, 16 November 2011 01:38
Upcoming Events
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10.02.2014 19:30 -
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10.07.2014 19:00 -
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NTK welcomes volunteers to help on race day and is always in need of corner workers. You do not need to be a member or racer to help work a race. Benefits include a free pass and a front row seat right in the middle of all the action. Visit the forum thread to view the worker list and sign up for a position. No experience is necessary please arrive 1 hour before racing starts for instructions. For more information contact Bob Schabel (972-221-2567).http://www.ntkarters.com/forums/viewtopic.php?f=38&t=3253
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"...don't believe something because an "expert" is saying it. Believe it because of the evidence."
- Member for
- 5 years 15 weeks
- Blog
- View recent blog entries
Recent Comments
|3 years 20 weeks ago
|Jordan Taylor's nice butt..
It keeps talking to me.
|3 years 22 weeks ago
|Projected upside or..
undercoached..?? or Both?
|3 years 35 weeks ago
|Thanks for this.
I actually have seen this before. I believe I received a CD one of my many Michigan books along the way. I also believe they showed this during one of the many Bo tributes when he passed away in 2006 in the local Detroit media.. probably channel 7.
|3 years 35 weeks ago
|no no no
You are giving Sharp too much credit. No way he uses multi-syllabic words like Magnus.
|3 years 35 weeks ago
Pick by GB
|3 years 35 weeks ago
|I thought it was
from the sitcom Green Acres, Mr. Haney
|3 years 35 weeks ago
|No No. How about
Stevie Browns number 3
|3 years 35 weeks ago
|Many friends in Green Bay do
not like MM as coach. But then I heard during pre-game he was up for coach of the year??
|3 years 35 weeks ago
|You are referring to Bedford, correct?
I would like to see Corwin Brown here. Does Cornflakes have a relationship with existing staff? I thought I remember some say he would do well back here, but thought I read that he burned bridges here??
|3 years 35 weeks ago
|Dark.. you are missing the point.
Belein is not getting it done. I am not bad mouthing anything. To the contrary, point to the facts. And the facts state that we have a below average basketball program and the head coach is not generating the results from a W and L perspective, a recruiting perspective, and player management perspective, and even struggling with assistant coaches.
This comes from a long time alum and fan that bleeds bluer than most.
|3 years 35 weeks ago
|Kal. You're correct, I did not go into a full dissertation.
But, lets talk about the loss of Sim and Harris. What happened to our team last year, with these Sr/Jr. led talent? What were the results on the court? And where are the recruits, that Belein is responsible and accountable to bring in to the program that should be picking up where Sims/Harris left off? Remember, he is in year 4 and has had one more year than RR to work with. He actually started out with more and generated less than RR has from a progress perspective.
You are correct again, the team just does not have the talent. That is a primary responsibility of the Head Basketball Coach of any program in the country, right? Being a good coach, in any sport, is more than just being a great "X's" and "O's" guy, right? Or do you need me to be more specific?
So, if he is a great "scheme" coach, as recognized by most, but does not recruit well, cannot pick his assistants well (he changed all of them), does not produce Big Ten championship calibur play (meaning his players are not learning this "superior scheme" and tranlating it into "W''s"), his team's have the same identities as Tommy A's teams, (lots of player only, players driven meetings there too), I say the coach is not an effective one.
If the goal for the BB program is to maintain mediocrity, I say Belein is the right coach. He is a nice guy though, just like Tommy was. I guess we are witnessing the difference in accountablity between the football and basketball programs. My obvious frustration is as a long time alum and fan, my expectations are so different from what I am observing.
|3 years 35 weeks ago
|OK. We will probably lose the game.
And become the medicine to cure whatever ills Izzo's team has had over the last month or so. But tell me, what if we win? Or, what if we lose, but keep it close? Or what if we win, but then still end up as the bottom dweller in the B10?
My point is, this is just one game and now having observed this years body of work so far, I am less than impressed and quite concerned that Belein is just a older, smarter, yet just as effective version of Tommy Amaker (he was a very nice guy too).
Bottom line, Belein is not getting the job done, period. Save the excuses in infrastructure issues, "constraints" in recruiting, blah, blah, blah. That crap is just an excuse to rationalize the current state.
What really spoke volumes to me was Belein basically getting rid of all his assistants from last year. That told me he is covering his ass and trying to buy himself time. I think he is in over his head and situationally mis-placed... Just like RR.
It is time for a new BB coach.
|3 years 35 weeks ago
|My concern is... Belein has done less
with more than RR. He has had more time to bring in talent... and quite honestly his recruiting classes have given us little to be excited about.
Hopefully this very young, determined team keeps working hard, but it is becoming more and more evident that working hard is not the issue. It is a lack of skill set, either from a coaching perspective or from poor recruiting that is hurting this team.
How long are we supposed to wait?
|3 years 37 weeks ago
|Congrats to all of you... but..
It is just the beginning. Work hard, become true Michigan men, and make positive impacts on all you encounter.
1984 grad.
|3 years 38 weeks ago
You deserved it.
|3 years 38 weeks ago
|What about Barwis?
What happens to our crazy S&C difference maker?
|3 years 39 weeks ago
|What I want to know... Where are
the five star Recruits (especially on D)? I remember when we were known for Championship level defenses....and we did have higher rated recruiting classes that fit this image.
Where are they? Why are we only getting the 3/4 stars? Is it because of our record the last 2 years? Did LC hurt a recruiting pipeline??? what happened....
|3 years 41 weeks ago
|Different lifetime for me. 1987 was year
my oldest son was born. That clip was great though... even the arcaic CBS opening music got me excited and brought back memories of when I actually did like the NBA...
I just cannot stand the modern NBA game and long for the days where a premium was had on playing solid, physical defensive game (ie. Bad Boys). The game back then was as much about strategy and "out smarting' your opponent on the floor.
This in stark contrast to todays game, which demonstrates an extreme lack of defense, highlight driven behavior, game intelligence lacking on court play that causes me to react as strongly as one can/has to "The Horror" or seeing "The Doom" on the field at the Big House.
Its a shame too, given that players physical ability has evolved. NBA players are so gifted athletically but given the above, these abilities have been wasted away. The only way I go to a Pistons game anymore is if the tickets are free and I have nothing else to do.
The only time I watch a NBA game on TV is to catch Charles Barkley at the breaks.
Then I drink and find the clicker.
|3 years 41 weeks ago
|what was the rumor?
I have heard about Miles and another coaches wife... but not anything associated with Moeller.
|3 years 46 weeks ago
|Sorry... but...
It is a failure on your part in signing the mortgage contract and not understanding that there would be an adjustment on your tax basis. In the terms and conditions it would clearly state the criteria from which the assessment and resulting property taxes would be.
You needed to ask more questions from your mortgage lender/institution.
This is not FAIL on the builders part.
|3 years 46 weeks ago
|Smith is just Quota.
I take nothing he says seriously. He spews dribble like Dr. Lou.
|3 years 51 weeks ago
|I hope John Bacon is recording these quotes.
Not bad coming from a young kid, not even able to drink legally yet.
Where did I go wrong with my kids??? LOL
|3 years 51 weeks ago
|Brian... I am good with keeping out the trolls as it
relates to the new posting threshold requirements... It actually does hurt guys like me though.. I have been an avid, voracious board reader... and have an account... although I only sporadically post anything. The net impact will be that I cannot start a post until I reply to a bunch of others.
The new requirement will not affect how often I access mgoblog at all...
Admittedly, at my age.. (just shy of fitty)... I am addicted.
Great work, long overdue.
|3 years 51 weeks ago
|Aw come on.... that's like
trying to answer.. would I rather throw up in my bed or in my car?
|3 years 51 weeks ago
|Actually, I feel its better for our SOS if
Ilini lose today. If they are to lose a game before we play them, I would rather have tUOSU lose to Wisky/Iowa.... then we can lower the hammer at their place.
|3 years 51 weeks ago
As I need to drink first... Baby back ribs BBQ'd slowly with a combination of hickory and mesquite wood chips... Takes about 2 1/2 hours on my Weber.
Home made mac & cheese.
and.. Drink !
|4 years 1 week ago
|Premature ?... nawww....
The all Everything Network would never try to Hype things too early, would they?
It may be too early... but the reality is... they Hype is there and the Hype is real.
|4 years 1 week ago
|We play for the 2006 NC if Crable
plays position correctly and not over run plays... Maintain contain.
|4 years 1 week ago
|Wind Burn. I predict Wind Burn
WE win by a ROUT as Denards dreads and Velcro causes Wind Burn on the arms and Faces of outstretched BG defensive players.
Wind Burn.
|4 years 1 week ago
|The TEAM... What about the Team?
The team, the team, the team.

subset: commoncrawl


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Olay Ultra Moisture In-Shower Body Lotion works with the warmth and humidity of your shower to reveal soft, smooth skin after 1 use. Daily use will improve hydration of dry skin in 5 days!
For best results, use after cleansing with Olay Bar or Olay Body wash.
Use daily on the body:
Step 1 Cleanse with body wash or bar soap, as usual, then rinse.
Step 2 Dispense product into hand and smooth onto wet skin. Start with a quarter size amount for each area of the body (adjust as needed.)
Step 3 Rinse.
Step 4 Pat dry with towel.
As with other bath and shower product, this product may make some surfaces more slippery.
Water, Petrolatum, Hydroxypropyl Starch Phosphate, Dimethicone, Fragrance, Stearyl Alcohol, Butyrospermum ParkiII (Shea Butter), Polysorbate 60, DMDM Hydantoin, Disodium EDTA, Iodopropynyl Butylcarbamate, Cetyl Alcohol, Phenoxyethanol.
Questions? 1-800-695-3597 or visit www.olay.com


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Azealia Banks Tickets
Find the Azealia Banks tickets you're looking for on viagogo, the world's largest ticket marketplace. Select an event to view the range of tickets available or view the Azealia Banks tour on a map to find an event near you. You can also sell your spare Azealia Banks Concert Tickets on viagogo, and listing tickets is free. All Azealia Banks tickets are covered by the viagogo Ticket guarantee!
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viagogo is your online ticket marketplace for concert tickets, sports tickets and theatre tickets.
Azealia Banks Ticket News
- New Azealia Banks tour announced
Azealia Banks has announced a new tour and EP.


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> return to the clayton county library system home page
Summer Reading Program!
"You have to understand: I've been madly, hopelessly, tragically in love with Garrett Delaney for two years now-ever since the fateful day when I looked up from my list of the Top Ten Couples of All Time and saw him sauntering into the local coffeehouse."
what is this from?
want to see more great first lines?


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Moms Are Talking About...
Jennifer Aniston gets hot with John Mayer in Miami: The 39-year-old cougar actress has been spending a lot of time with 30-year-old singer John Mayer, while she wraps up production on her latest flick, "Marley & Me." The couple were spotted lounging at the Mandarin Oriental Hotel during the day and kissing at the wrap party later that night.
Report: Child car seat centered in back seat reduces injury: A new study of car crash data found that children up to 3-years-old were 43 percent less likely to suffer serious injuries resulting from an accident if they were in the center seat, as opposed to one of the side seats. Despite safety experts recommendations, only 28% of children were buckled in the center seat position at the time of the accident, according to the report in the journal Pediatrics.
Vanessa Williams gets her college degree: The actress, singer and mother of 4 has won a lot of awards, and now she can add another honor to her credentials: college graduate. Vanessa left Syracuse University in 1983, when she became the first black Miss America. Twenty-five years later, Vanessa received her bachelor of fine arts degree while her mom and children cheered her on.
Teen life threatened after lip piercing: Fifteen-year-old Zeke Wheeler is fighting for his life after he developed a drug-resistant staph infection when he tried to pierce his own lip with a first aid needle. Zeke had six blood transfusions and underwent multiple hip and knee surgeries to remove the bacterial infection and faces heart surgery as well.
More Info: Jennifer Aniston, Car Seats, Vanessa Williams, Teen Fights Staph Infection


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Color theory is complicated. People spend hours in accredited institutions learning about it. There's a science to picking out colors and putting them together to achieve a desired effect. Once you know how to do it, these concepts can help you in every aspect of your life: from your wardrobe to interior design, right down to choosing your blog's theme colors.
Contrast is a huge element in photography and it just so happens color plays an important role. It takes some consideration and vision to compose a shot artistically. Never fear, though, there's a formula for creating photographs using color and contrast to evoke emotion and interest.
Color Photos
Color is actually a combination of three terms I bet you know: hue, saturation and brightness.
When you think of a color, you're probably thinking of a hue-with-a-specific-saturation-and-brightness.
There are primary hues, which when mixed, produce secondary hues. Then, if a primary and secondary hue are mixed, you get a tertiary hue.
All of it works because of how the light waves interact with one another. The hues in a color wheel appear in the same order they do in a rainbow. Hues opposite one another on the wheel are called complimentary or contrasting colors.
The hues in this wheel are fully saturated. Most things we come across in nature will be much more dull. Variations of saturation are called tint (white added), shade (black added) and tone (grey added).
This is something we may think of more in terms of lighting and exposure, which are both big components, however brightness strongly effects color as well. It is the range between light and dark. Some colors only have a short range: for example yellow can be tinted until it reaches white, however if it is shaded too much it becomes another color entirely. Other colors like blue can extend the full range between tint and shade.
Contrast Photos
Once you know how hue, saturation and brightness combine to form color, you can use that knowledge to think about contrast when creating photographs. Contrast, by definition, is a difference. You have the artistic choice of composing your photograph to showcase or minimize differences in lighting and color in your scene. These choices will help set the mood for your shot.
Tonal Contrast
This term is usually used in association with black and white photography, though color photos do have tonal contrast. Think of this in terms of highlights and shadows or blacks and whites. Our ability to perceive these differences in tone is why we can recognize shapes and lines.
High tonal contrast photos are primarily light and dark or white and black elements with a sharp difference between them. They are dramatic and strong.
Photo Credit: Caram's France
Low tonal contrast photos do not have a wide range of brightness or color. They have no or less distinct shadows and highlights. They are relaxing and soothing to the eye.
Photo Credit: Kelly Pugliano at Mom Got Blog
Color Contrast
This is the difference in the colors as seen through the color wheel. High color contrast includes colors opposite or near opposite one another on the wheel. Low color contrast would include colors next to or a hop away from each other on the color wheel.
These photos all have high color contrast as they're primarily made up of complimentary colors. They are bold and dramatic.
Top: "Beloved Summer" by Alex Bainton
Middle Left: "Birthday chair" by Manuel Campagnoli
Middle Right: "industrial red vs nature green" by Darwin Bell
Bottom: "Sea Nettle" by Lynda Giddens at Daily Window
These photos all have low color contrast as they're made up of similar colors. They are peaceful and calm.
Top: "Todd and the great caterpillar topiary" by Todd Stadler
Middle Left: "Wood" by Joost J. Bakker
Middle Right: "Drapery of orange" by Amy miller
Bottom: "Autumn in New York" by The Snapping Turtle (#SITSpics participant!)
High and Low Key Compositions
High key compositions are lighter in color, very bright and lack shadows. The mood is cheery and uplifting.
Photo Credit: Ben Alford
Photo Credit: Raphael Goetter
Low key compositions are the exact opposite. They are mostly dark and lack highlights. When looking at these, you're more likely to feel down and tense.
Photo Credit: Sean McGrath
Photo Credit: Will Montague
More Photo Tutorials
This is really just the tip of the iceberg, but hopefully it will get you started recognizing how color can be a character in your photos. If you want to learn more, I highly recommend these articles:
- Using Color to Create Strong Photo Compisitions
- Color in Photography – Color Theory
- Key Photography Effects: High Key and Low Key Photography
- Tricky Contrast Concepts
- Using Color in Photography
- Create Striking Photos with Good Color Contrast
Photo Challenge!
Over the next couple of days, try to organize a photo walk. If you can bring along a photographer buddy, that's even better! You don't have to go anywhere special, a walk around your neighborhood would be fine.
While on your walk, look very carefully at the colors around you and take care when composing your photographs to try to utilize the information in this article. If you have a color printer, you may find it helpful to print out the color wheel.
Try to take at least 30 photos on your walk. Good luck!


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Managing Gnome Fonts
Linux's text display still suffers from legacy issues, but it is well on the way to
recovering. This article explains how Fontconfig, X, and Gnome work together for
a brighter future.
Despite the amazing progress
Linux has made over the last few
years, many users still complain
of ugly fonts on the Linux desktop. The
reasons for this are not always easy to
find, as many software components
combine to put what a user perceives as
letters on the computer screen.
A variety of different programs handle
different tasks in different scenarios. For
example, the software components
responsible for displaying text in a textbased
console are completely different
from the ones used by the X system. And
even X has many different approaches to
handling fonts.
Buy this article as PDF
(incl. VAT)
Buy Linux Magazine
Visit Our Shop
Direct Download
Read full article as PDF:Gnome_Fonts.pdf (258.63 kB)
Tag Cloud
Fedora Developer Announces New Partition Manager
New tool will look like GParted but support a wider range of storage technologies.
Mozilla Releases a New Firefox
New public key pinning feature will help prevent man-in-the-middle attacks.
Tool Predicts Which Websites Will be Compromised
Carnegie Mellon researchers say 3 million pages could fall down the phishing hole in the next year.
SSH Key Management Guidelines
The US government rolls new best-practice rules for protecting SSH.
Knoppix 7.4 Released
Klaus Knopper announces the latest version of his iconic Live Linux system.
PHP Attack Puts WordPress and Drupal at Risk
All websites that use these popular CMS tools could be vulnerable to denial of service attacks if users don't install the updates.
Heartbleed Bleeds On
According to a report, many potential victims of the Heartbleed attack have patched their systems, but few have cleaned up the crime scene to protect themselves from the effects of a previous intrusion.
Drone Brain Goes Open Source
DARPA and NICTA release the code for the ultra-secure microkernel system used in aerial drones.
Password Management Services Vulnerable to Attack
Should you trust an online service to store your online passwords?
New Raspberry Pi Adds Two USB Ports
New B+ board lets you build cool things without the complication of a powered USB hub.


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Yes, You WILL Get Social Security
Published on - September 1st, 2010 (by J.D. Roth)
This is a guest post from Robert Brokamp of The Motley Fool. Robert is a Certified Financial Planner and the adviser for The Motley Fool's Rule Your Retirement service. He contributes one new article to Get Rich Slowly every two weeks.
We hear a lot about the doubts over the future of Social Security. Here are a few I've come across:
- "Three-fourths of those 18 to 34 don't expect to get a Social Security check when they retire." — USA Today
- "My husband and I are both 28, and we laugh every time we hear ['yes, you'll receive Social Security']. No, we won't receive Social Security, even though we've both been paying into it since we were teenagers…I can't think of one of my peers who expects Social Security to still be around when we're retirement age. Call us bitter." — A comment to my last column ("When Will You Be Able to Retire?")
- "Six in 10 Americans who have not yet retired believe they will get no Social Security benefits when they retire, more pessimistic than at any time since Gallup began asking this question in 1989." — Gallup
- "According to one survey, 100% of people married to Robert Brokamp wish he would shave his head rather than try to pull off a comb-over." — My wife
If you're among the doubters (of Social Security, not my hairdo), then listen up: The following paragraph is the most important group of words you'll ever hear regarding Social Security. It's key to understanding how the program works, and whether you'll get anything. Here it is:
Social Security is predominantly a pay-as-you-go program. Most of the payroll taxes that are collected from today's workers go into the checks of today's beneficiaries. Thus, as long as there are people working and paying payroll taxes, there will be money to pay Social Security benefits.
According to the most recent Social Security Trustees report, from 2037 to 2084 payroll taxes will be enough to cover 75% of projected benefits. That's not great, but that's not nothing, either.
People who think that they won't receive any Social Security benefits must believe one or all of the following three things:
- In the future, people won't work.
- In the future, the government won't collect payroll — a.k.a. FICA (Federal Insurance Contribution Act) — taxes. Currently, workers "contribute" 6.2% of their paychecks to the Social Security system, and their employers match with another 6.2%; the self-employed pay the whole 12.4%. Another 2.9% goes toward Medicare. As you know if you've looked at your paycheck, it's a separate withholding from income taxes. In fact, the majority of Americans pay more in FICA taxes than they do in income taxes.
- In the future, Social Security will be means-tested to such a degree that the "wealthy" (an arbitrary designation, to be sure) won't receive any benefits. Those who don't think they'll receive Social Security assume they'll be among these "wealthy."
I don't think Nos. 1 and 2 are likely. No. 3 is possible. The program is already means-tested to a degree, since the percentage of income that is replaced by Social Security decreases as lifetime earnings increase. However, I think that if changes to the means-testing formula result in a group losing their benefits completely, it will be a small group — certainly not 60% to 75%, as the aforementioned surveys suggest. I find it very unlikely that a future Congress — elected by future citizens — will change the program in a way that the majority of people who pay FICA taxes won't get at least some benefits.
Those crazy trust funds
For many years, the payroll taxes collected were more than needed to pay current benefits. The surplus went into the Social Security trust fund, which invested the money in special-issue U.S. Treasury bonds. However, this year — thanks to the stinky economy — benefits will exceed revenues. That's projected to temporarily reverse, but at some point in the middle of the next decade, the retirement of the baby boomers will cause benefits to exceed taxes. This is where the trust funds come in. They'll be sold to cover the shortfall.
In my opinion, this is the essence of questions about the future of Social Security: What, exactly, are we to make of these trust funds? Are they truly assets? Here are the two arguments:
- Those who think that the Social Security system is essentially sound will point out that of course the trust funds are real assets. They're full of U.S. Treasuries, which are considered the safest investments in the world.
- Those who think otherwise point out that since Treasuries are federal government debt, the trust funds contain just worthless pieces of paper with a note written on them that says, "Dear Uncle Sam: I owe you lots of money. Love, Uncle Sam."
I have to admit, I haven't quite decided to which camp I belong. I'm inclined to go with the latter. After all, when, say, 2020 rolls around, and the Social Security Administration needs some money from the trust fund, it will take one of these special-issue Treasuries to Uncle Sam and want to exchange it for cash to be sent to retirees. Where will that cash come from? I almost think I need to see a spreadsheet or detailed flowchart or something to fully understand how all that will work. If you have suggestions for how to accurately think about the trust funds, I'm all ears.
For now, plan on getting less
That's enough talk about Social Security for now (assuming you're still reading). From a financial-planning perspective, I'll reiterate my advice from my last post. If you are in or near retirement, plan on getting your benefit. If you're younger, play it safe and plan on getting 25% to 75% of your projected benefit. But plan on getting something.
I'm sure you have your own thoughts and opinions about Social Security, and I encourage you to share them below. However, let me say this: Often, discussions following articles about Social Security turn into political brawls that degenerate into name-calling and general silliness. So please, all you right-wing nutjobs and left-wing commies, let's keep it civil. Stick to the topic of Social Security and the facts. And maybe advice for creating a sweet comb-over.
This article is about Economics, News, Retirement
Wouldn't there be a third way that we wouldn't receive benefits? If we opt out of them in lieu of contributing to a private account? That's one that Bush was proposing and I like more than what is there. I like the idea of having my own asset that grows and that I can pass onto my kids. I would be more than willing to pay 1/2 of my FICA as a "tax" to keep the current system afloat while I pay 5% into a retirement account in exchange for not receiving social security when I retire.
I know that failed miserably, but it still seems to me to be one of the options on the table since a major political party that one day might be in power again proposed it.
Thanks so much for the article; this cleared up a lot of confusion for me brought on by the politicians.
I don't believe I will get SS when I retire, yet somehow I don't fall within your 'one or all of 3 reasons' categories.
The reason why I feel that I won't receive SS is this:
When the baby boomers retire – which will be long before I do, the proportion of money going into SS vs money coming out of will be MUCH smaller than it is now.
Currently, what isn't payed out to retirees of SS is put towards mitigating our nation's debt, and has since SS conception.
Once this proportion flips, not only will there be not enough money generated by SS taxes itself to pay out to SS retirees, but there will be nothing to mitigate the deficit, and in turn SS will stop buffering the debt, but add to it. Exponentially.
Tell you what — I'll believe that I'll get a SS check when I see it.
No, you WON'T get any social security.
Aging population, increased longevity, low birth rates, and low returns on treasury bonds are all against you getting any sort of benefits.
On a side note, the surveys mentioned ask people what they "believe". Isn't that a meaningless question here?
4) Social security program is canceled. You get jack.
Social Security often devolves into a political discussion because there ARE distinct political forces in action that would prefer to destroy social security for various reasons. Some are positive, like wouldn't you rather pay less in payroll taxes and invest your money yourself (i.e. control). Some are negative, in my mind, thinking of SS as welfare.
There are many working Americans in this country that will have little to no retirement savings if SS is destroyed. I personally don't want to live in a country where we don't care for our most vulnerable populations, the elderly, children, the sick, etc.
So far as I understand them (being European), the US Treasury bonds are fixed-term notes (rather like the reverse of fixed term deposits at a bank). You can't go to the Treasury at a time of your own choosing and demand payment. The Treasury knows already when it issues a bond when and how much it will have to pay to redeem it and can plan accordingly (either to pay from the tax income or by issuing a replacement bond, thus extending the debt, which will only be a problem if the US finds itself in a sovereign debt crisis, like Greece earlier this year).
When the trust fund needs to liquidate, it may present some expiring bonds to the Treasury demanding some money. As I explained above, this will not prove to be an extraordinary difficulty to the Treasury in normal times. If there aren't enough expiring bonds, the trust fund will offer some bonds for sale in the open market. In normal market conditions, the bond will sell at fair value, and the trust fund will acquire the cash it expects.
In normal market conditions, therefore, the fact that the social security trust fund is slowly liquidated does not imply that the government gets to shell out extra money. It can certainly choose to do so by not replacing expiring bonds, but it will not be required to do so. This is why the first argument is likely to be true.
Now, it is conceivable that the market conditions at the time might be abnormal: the investors might no longer trust the US Treasury as a debtor (think Greece), or there may not be enough savings on the market looking for bonds to buy (for example, if there is a severe economic crisis at the time). In such a condition, bond prices would fall dramatically, and the trust fund would fail to get as much cash for the bonds as it expects. In such a case, obviously, the FICA tax must increase to cover the difference, or the social security system will default. This is how the second argument might prove to be true.
Is it possible that social security payments will change to be a set amount, rather than an amount based on what you earned. The British system pays about 90 pounds ($135) per week no matter how much you paid in. A bit more for married people, but not double for sure.
This way the poorest people receive an amount of money they can almost live on, whereas folk who earned more need to have saved more to maintain their quality of life.
I'm not sure, but does this method result in everyone getting something, rather than everyone getting almost nothing as the comments suggest?
National security as it is called in the UK costs about 10% of your wages, but it does of course also include the National Health Service as well as pension benefits. And despite what you may haveheard to the contrary, the health service is awesome!
I don't think the point of the article is to encourage people to count on SS to provide for their retirement. But to assume that you will receive nothing from SS is rather ridiculous. Now that doesn't mean that I will set up my retirement savings plans assuming that SS will be what it is today. At 26, I'm going to save what I can and if I get what the retirement calaculators tell me I would get from SS, then that's great. If not, I'll be covered. There's a big difference between assuming SS won't exist at all and planning to not need it regardless of whether it exists or not. The only real reason people won't see any SS is if it is done away with completely (which is a completely different subject).
(As an aside, that would be an interesting topic: Is it conceivable to do away with SS completely? Could significant changes be made such as raising the age of retirement or increasing or decreasing contributions in order to improve the system?)
I think it's actually a great thing that younger citizens assume they won't be getting Social Security when they retire. We should encourage this attitude at every turn!
Because if you assume you're not getting a cent from Uncle Sam in retirement, you're forced to take on 100% of the responsibility for your retirement.
I'm funding my 401(k) and Roth IRA as if they're going to be my only income sources in retirement. If I get SS, that's just icing on the cake, but if I don't, it won't hurt at all.
Like many my age (28), I say I assume no SS. If I stop and think a bit, what I'm really saying isn't that I assume it won't be around (although I'm not convinced), it's that I do NOT make the assumption it WILL be when planning – after all, most people seem to agree it won't be anything like it is now. (However, I refuse to think of it as a "nice bonus," after I will presumably have paid for other people's for 40-50 years.)
Also, I, like many people on this site, am in pretty good financial state for someone my age, very responsible with money, tucking a lot away, etc. Therefore, if SS goes means-tested, I have a better-than-average chance of getting less/nothing, as a reward for my hard work, frugality, and savings for rainy days, medical problems and retirement. Just sayin…
What is probably going to happen is that Early Retirement age will stay at 62 (so that the people who really need early Social Security will have it), and the Normal Retirement Age will increase and the increase will be indexed to average lifespan, specifically life expectancy based on some older age like 62. There will probably be some tinkering on earnings rules, making it easier to collect SS while working (they've already done some of this), and some tinkering on tax laws increasing the earnings cap.
The sooner we make changes, the less painful they will be. If we had made them 10-15 years ago when economists were urging them, they would barely be felt because they would have been so small and expected.
My left-wing parents keep sending me bizarre articles on this from the Huffington Post saying to do nothing and I am deeply disappointed with Krugman's incredibly irresponsible piece on this topic in the NYTimes.
The right-wing position of getting rid of Social Security entirely and privatizing is even more irresponsible. Guaranteed public annuities and forced savings are necessary for a portion of our population that used to die in poverty in old age.
The "social security crisis" is NOTHING compared to the upcoming Medicare crisis. Check out Figure 1-1 from the CBO here: http://www.cbo.gov/ftpdocs/115xx/doc11579/06-30-LTBO.pdf (p.19 of the pdf). That's the terrifying picture that seemed to be the unofficial main theme of last year's Association for Public Policy Analysis and Management meeting in DC. Academics and bureaucrats are very worried. Politics makes things difficult to fix.
I don't believe for one second that voters will allow social security to be eliminated or even greatly reduced. There are far too many voters who rely on it to think they'll just kiss their own future goodbye.
This is an excellent article. The main point to remember is that as long as the government can sell treasuries, then the Social Security will be funded. To fund at a 100% rate in later years an increase of 1.1% in FICA needs to happen I am told.
If you think you will not get Social Security you are really saying that the U.S. will not be able to sell treasuries. There goes the dollar and in comes anarchy. So plan accordingly with Guns, Gold, and Groceries.
However, while it is prudent to plan for hard times, there is too much at stake to let the dollar go under. You will see political changes happen eventually, hopefully soon, that will change the mindless deficit spending to something more civilized and sustainable.
I'm one of those 20-somethings who doesn't think I'll be getting Social Security when I retire. I don't think Social Security will disappear because it will go bankrupt. I think it will disappear because it's a top-heavy Ponzi scheme that will become a target of fiscal conservatives in coming decades.
In short, it's not that I think it will become insolvent. It's that I think the program will be canceled. Social Security's future is sufficiently uncertain as to be discounted in any future financial planning. It'd be irresponsible of me to assume I'll be getting a free government handout in fifty years.
A few years ago I looked into the SS Trust Funds to see how they worked.
We don't have to wait until 2020 for the SSA to start cashing in the trust fund. It's happening regularly now.
Unlike regular Treasury Notes, the trust fund notes are payable-on-demand. Also, the SSA maintains a daily cash balance of $0. Every day, it receives some money from payees, and every day it sends checks to recipients. If they receive more money than the send out, they buy treasury notes with the daily surplus. If they send out more than they receive, they cash in notes to cover the deficit.
In effect, the SS Trust Fund works more like an interest-bearing checking account than a traditional holder of Treasury Notes.
THANK YOU! The lie that Social Security is going under does a huge disservice to people my age, who don't see it as a potential loss when privatization is brought up, and don't fight back.
That said, it probably is smart to plan as if SS (and more importantly, if you have a private pension or your parents do, assume it's going to go belly up – a lot of them have) won't be around. Then if you're surpised, you'll have more money than you need, not less.
We hit the SS deduction cap last year and personally I think that's ridiculous – let's add that to Nicole's list of things that might/should change – stop exempting richer people.
Arn't you missing an option: Revolution.
I think there's a non-zero chance, either the left-wing commies or the right-wing nut jobs could overthrow the current governmental system, and the social-security fund will be raided to pay for it.
for now, I'll just write off FICA payments as a moral charitable contribution to our nations elderly
THANK YOU! It's about time that someone important wrote about this. I wrote about it a few weeks or months ago, and it seems like 75% of our benefits are pretty good, especially since that's if nothing changes!
There definitely will be changes over time, and whether they will have a positive impact or not, I'm not sure, but the thought that we'll get no benefit is ridiculous.
One thing I will say is that planning for no or little benefit could be great because come your 50s or 60s, you'll realize that it will be around and you'll be able to either retire earlier or live a higher quality of life in retirement.
You miss the main problem with social security. If it was truly a pay-as-you-go program, it would be fine. Unfortunately, the social security fund is used to fund a whole variety of programs in the government. Additionally, people who never work, and therefore never pay into social security, are entitled to social security benefits. This is why 2010 is the first year in which social security payouts will exceed what social security takes in (see http://www.nytimes.com/2010/03/25/business/economy/25social.html). This is simple math, and to assume that more money will somehow magically appear in the social security fund by future workers is as foolish as choosing to go with a comb-over rather than shaving your head.
Nice to see that someone has that much faith in the continuity of our government programs and the birth rate. I don't think the system can continue to support more old people on the backs of fewer workers. I'm making other plans. Trusting government is silly and naive.
Robert, I appreciate your optimism; but there are plenty of reasons no to be.
The one I want to focus on is this: there are plenty of taxes that people continue to pay the revenue from which no longer funds the program or project for which it was created.
I don't know about you, but if my debts were 4-5 times the amount that I earn every year, I would begin to cut back and start "making do". I don't see the government making plans for a balanced budget anytime soon. Not only that, but…OK, I'll stop there to honor your wishes. Thanks for the hot topic to get my blood pressure up this morning.
BTW, please forgive me for calling you silly. That's not fair. Naive, though. Pie-eyed optimist, maybe?
The supreme court has already ruled that citizens who have paid in to social security are not entitled to receive benefits. Just because we are currently paying in does not mean it will later pay out. It has been shown time and time again that social security is the WORST retirement investment everyone makes. We could take that money and invest it in basically any other way and come out ahead. So I for one would be willing to give up my existing contributions if the government were to stop garnishing my wages and allow me to properly invest.
I'm dumbfounded – future credibility fail.
Why would someone stake their credibility on the future of SS?
Well, over here in Finland there is a push to raise the retirement age. It is possible that down the line, the retirement age will be 70 or even higher, which means you won't get any social security benefits before you're just about to keel over It is also possible that future generations will be a lot smaller and government expenses will be a lot higher, lowering the amount you get significantly.
I don't believe I won't get ANY money at all but I do believe the future is very uncertain and that there will be a lot less to go around so I'm preparing for it.
If I'm wrong – no real harm done, but if I'm right I'll sure be glad I saved that money.
I'm not expecting this post to garner much sympathy, and it really shouldn't because I'm very fortunate, but I do want to give the perspective of a top wage-earner on this. I am a real liberal, by the way — I would gladly give over tons more of my money in taxes to pay for a decent education for children, or better public housing for the poor, and access to decent medical care for those who need it. But I do get a little bit turned off by some of the social security rhetoric against the "rich". I currently pay up to the cap, and many plans I have seen call for eliminating the cap. Since I'm self-employed, that would mean I'd be paying about 15% of my entire income, on top of the other relatively high taxes I pay. All of my wealth comes from wages (I'm not a trust fund baby, just a person with a very good job). Yet I'm in the group that even this optimistic poster would have to admit will ultimately get means-tested right out of the program, meaning I will get zero back. As I said, I'm fine with paying taxes to fund the retirements of poor people or people who face unexpected illnesses or hardships — but is it really fair to expect me to pay 15% of my large income for life to fund the retirements of middle and upper-middle class people who could fund their own retirements but choose not to? I'm not so sure about that.
@ Poster #15 (Ricky) -you certainly failed to heed the warning in the post to not devalue and polarize the commentary with political posturing. This country has spent a trillion dollars on the Iraq occupation/war – you suppose that happened since January 2009 – that's humorous. Somehow it is abhorrent to invest in our own people and economy-in terms of healthcare, education, and infrastructure.
I have digressed. I like to think that I have an "icing on the cake" Social Security mentality -but the harsh reality is that I have not saved aggressively enough. Life is so short and fragile – I'm starting to disinvest from the idea of working, working, and then retiring and attempting to travel the world in my old age. I want my household savings to bolster our ability to travel extensively during my working life, cultivating relationships, and reviving faltering ones, anchoring myself spiritually, taking long weekends, I plan on following a career path that allows me to learn new things.
I cannot worry obsessively about Social Security, but I do need to focus more on those things I can control, building a healthier emergency fund, starting a Roth, being committed to saving for retirement-every dollar in my budget cannot go to addressing today's needs.
I am planning to NOT get any social security, just to be safe. I admit I do not know all the intricacies of social security, but I do know that many predict the fund with be plain bankrupt. However, I do get your point that people will always be working, and that a reduced benefit is more likely.
I don't trust the government to take care of me, so I plan on taking care of myself. However, I will be angry if I don't receive what I contributed.
HA! Great article, Robert! I loved this – informative, yet funny.
I don't expect to get any social security, so I'm planning my retirement without it, so anything I did get would be a bonus. I agree with you that everyone will probably get some, but the number is so blurry and unpredicatible, I'm taking the easy way out and just not counting on it.
Thanks for making SS an entertaining topic – a difficult feat to accomplish!
I concur with many of the posters above: if social security is still around when I retire, I will consider it an additional bonus and maybe take a few extra vacations with the money. But, for now, I will plan as I won't receive any social security money after all. I think that for my generation that is wiser.
Besides, one point this post misses is the fact that tax rates will be much, much higher in the future, so even if people try to retire to a "low" tax bracket, it will still be highly taxed.
If Social Security's going to be there when I retire, why has the media been telling me for twenty years that it's going to go bust before I reach retirement age? My generation has actually been -trained- to not expect Social Security benefits. Surely there must be a reason for that.
So we save for retirement via IRAs and 401ks, and now some high up in government are starting to eye those as a new, untapped source of tax revenue, to shore up a chronically unbalanced budget.
The health care reform may help save Social Security, for a while, as the "reforms" screw older people and help to bring the average lifespan down below the average retirement age (which will no doubt be raised above age 70)…
I certainly don't take SS distribution estimates into account in my personal planning, which I suppose is mathematically the same as assuming I won't receive any benefits, but that's different from "believing I will get no Social Security benefits" – there are *way* too many economic and political variables for me to make any sort of guess as to what will be going on in 40 years. And there's little, if anything, I could do about it anyway. If I get benefits I don't expect, then it's not like I'll regret having saved "extra." And if I don't, I'm comfortable enough thinking of SS as a tax we pay to live in a society that makes some meager gesture toward keeping the elderly from starving to death.
"as long as there are people working and paying payroll taxes, there will be money to pay"
If there is any one thing history teaches us, it is that it will repeat itself.
Apply this to the history of Ponzi schemes. Sooner or later, it will break.
I'm 8 years away from full SS benefits but I'm not relying or betting it will be there (I'm hoping for it as a supplement, which btw is what is was supposed to be anyway). I don't care about what I paid in; I am intelligent enough to understand that I am responsible for my retirement income, not some Washington politician or glad-handing "financial planner" (that takes care of planning for his retirement with your money before he thinks about yours).
We are living pretty much exactly like the French did just before their revolution. They could probably gone on without the revolution save one thing: It wasn't the crooked politicians lining their own pockets that brought it to a boil, it was supporting a corrupt system that allowed the few elite to feast on the majority that broke down the doors of the Bastille.
How close are we? When SS goes broke, look out. And it's headed that way.
How many patches can you put on a tube before it refuses to hold air anymore?
I usually am left disappointed when I "expect" to get anything from the government. Except that is when I "expect" to be disappointed, then my expectations are usually met.
Just to correct an earlier poster, the equivalent in the UK is National Insurance, not National Security. And there is an element of contributions-based income. At retirement age (which is in the process of changing), you get a state pension which is dependent on a number of things, including whether you are married, and crucially how many years of qualifying national insurance contributions you have. There are ways round this – e.g. people receiving carers allowance (for full-time unpaid carers) are treated as though they are paying NI. You need (iirc) 30 years of contributions to get the "full" state pension.
The value of this pension has decreased significantly in real terms over the last few decades, so no, I don't assume that I will get anything meaningful from the state when I retire. If I do, it's a bonus.
Robert, I agree with your wife. Forget the combover. Bald is beautiful. I think my husband looks sexier now shaved bald than he did 20+ years ago with lots of hair.
"Blaise Pascal" at 17 appears to be correct, and I was wrong. The US social security trust funds do not, in general, hold fixed-term Treasury notes but instead exist as demand deposits with the Treasury.
However, while this changes the mechanics and the accounting, it does not change the fundamentals. The trust funds are a liability of the Treasury, and when the funds are net liquidated, the Treasury will, in normal times, be able to convert this liability into general debt (regular Treasury notes) if it does not wish to cover it from tax income. In an abnormal market in which the Treasury is not able to sell new notes at an affordable price, there will be a problem, but it is not a problem of the social security system, it is a full-scale US sovereign debt crisis (in the style of Greece). – Of course, there is greater risk of legislated default than in regular Treasury notes, since it's a government-internal debt relationship.
As an aside, there is nothing Ponzi like in the social security scheme. A Ponzi scheme starts from a handful of original members and expands exponentially until it covers the whole population making it crash and burn (unless stopped by police at an earlier phase). The US social security system has none of these characteristics.
Based on this article, there is a huge amount of trust that the government will give social security money back to the people and not "re-purpose" it and spend it on something else.
I agree with the people who say we're better off planning for the worst. If we get social security, great. If not, I'm covered.
It's naive to think that in the face of contributing a few $100k and only receiving back 50-75% of that back that the Millenial generation (and those to follow) will not rise up on their egalitarian and meritocratic values in protest for reform and the full amount due them.
I for one wont let our parents (Baby Boom and GenX) generation get away with their negligence…
let's keep it civil. Stick to the topic of Social Security and the facts.
The facts are that the numbers don't add up.
The civil thing is to fix a system that over time has become corrupt rather than to make excuses for the corruption and thereby create an environment in which it can continue.
Ducking these issues has not been working out so well for us lately. I am of the sincere belief that the time has come to take a more serious approach.
One problem that most people are not aware of has to do with the special issue bonds that are created with the SS surplus. They are not actually bonds; if they were you could sell them anywhere (ie on the open market). However, they do not work like that. They can only be sold to the Treasury, and since the Treasury has no money, they will have to issue treasuries bonds for the exact same amount.
The potential problem with this is that we have no idea what the market will demand for an interest rate on those treasuries. It's this hidden risk that can/will make SS payments more expensive than people expect.
Uncle Sam would have to give that money to the Social security administration by raising taxes on the employees of that day. I dont see any other option.
Low taxes cannot sustain for long, can they?
The sad thing is that those people that think it won't be around, are still happily paying a large chunk of their income to the government and expecting no return. If you don't think it will be around, petition your representatives to let you stop paying! Don't be a dog and role over.
The very first commenter, Zack, had it right. Plan your future thinking that you will not get social security, then you will be covered regardless of what happens. There are a ton of resources out there now for people to learn about investing and setting up IRA's.
Investing is some shape or form for retirement is your best option. Especially if social security is limited, you'll have additional income.
Let's say my savings account owes you $10,000. The savings account is empty, but my checking account owes my savings account $10,000. Therefore you think there is a trust fund which will pay you $10,000.
But the fact is, my checking account is empty, and I am living so far beyond my means that half of my annual spending is funded by borrowing, to the point that soon the interest on my debt will consume the biggest portion of my income.
Are you going to get your $10,000? Shake your tiny fist and demand to get back what you paid in all you want, but you'd be a fool to expect it.
COLA…ever hear of it? The government sets it to what they deem acceptable. If inflation rises and the cost of living rises higher and faster than the COLA, then YES…people will be in a losing investment with social security. Socialism SUCKS!
Plus…because of the massive baby boomer generation, they will HAVE to raise the retirement age above 65. (sound like Greece?)
"The sad thing is that those people that think it won't be around, are still happily paying a large chunk of their income to the government and expecting no return."
Happily? HAPPILY? What what WHAT???
"If you don't think it will be around, petition your representatives to let you stop paying! Don't be a dog and role over."
Or spit into the wind, for all the good that will do you. Many people have tried to stabilize the system, but every time, the current crop of bluehairs start screaming. And for quite a few decades now, there have always been more bluehaired voters than young people.
We are screwed. This is a depressing fact, but a fact it remains. The truth doesn't care whether it is cheerful or not.


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The Illinois Supreme Court says Drew Peterson must stay in jail while he fights charges that he murdered his third wife, Kathleen Savio.
Peterson has been jailed for more than two years. His trial has been on hold while prosecutors appeal a ruling that bars them from introducing statements allegedly made by his wife, Kathleen Savio.
Peterson says the long wait violates his right to a speedy trial.
The state Supreme Court rejected his petition Monday without explanation.
Peterson's attorney did not immediately return a message seeking comment.
Peterson, a retired Bolingbrook police sergeant, has also been named a suspect in his fourth wife's disappearance but has not been charged.
205 N. Michigan AvenueGround FloorChicago, IL 60601Station Operator: (312) 565-5532Newsroom: (312)565-5533


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Last year at the Tokyo Motor Show, Subaru unveiled the Exiga Concept . Today the Japanese company confirmed the launch of the production version with an official teaser image and the launch of a mini site.
The Exiga will be a 7-Seater crossover, with a well-appointed interior and a panoramic roof. It will be powered by a 2.0-liter, horizontally-opposed, turbo-charged engine (same used in the concept version).
Official debut on June 17th!
Source: Subaru


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What to eat
Nestle, Marion.
Adult Nonfiction RA784 .N46 2006
Nestle, Marion.
Adult Nonfiction RA784 .N46 2006
Summary: "In What to Eat, Marion Nestle takes us on a guided tour of the American supermarket and shows us exactly how to feed ourselves and our families wisely and well. Along the way, she reveals the big food companies' marketing practices, explains complex labels in clear language, and tell us what we need to know."--BOOK JACKET.
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People-Watching on Belgrade's Pedestrian Avenue in Serbia
Knez Mihailova, Belgrade's main pedestrian street, is located in the very center of the city and is *the* best spot to meet up with a friend for coffee, walk around doing a bit of window shopping, and then kick back with some coffee or ice cream while watching the attractive and fashionable locals in their most natural environment. Street performers of all types rub elbows with families walking their dogs, business men on their lunch break, young people meeting with friends and planning their evenings, and the legendary lovely, leggy women of Belgrade strutting their stuff as if the street were a catwalk. When you are done, wander to the end of the street and check out the large, ancient, and lovely Kalamegdan Park, or, if nighttime has already fallen, simply explore any of the bars or clubs along what becomes one of the city's many nightlife hotspots. If you only have a few hours to spend in Belgrade, Knez Mihailova is your first and main stop.


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Visiting professor of Environmental Humanism at Yale University.
Formed Overview, headquartered in Washington, D.C., a pioneering international consulting firm devoted to creating a better environment; served as Chairman of the Board, 1969-73.
Co-authored a twice weekly nationally syndicated column "Udall on the Environment."
Published America's Natural Treasures: National Nature Monuments and Seashores about America's national parks, national monuments, and national reserves.
Co-authored The Energy Balloon, a detailed analysis of the nation's wasteful energy habits and steps needed to correct them.
Became lead lawyer on behalf of a group of Navajo Indians who were some of the earliest uranium miners in the country and were not warned of the dangers they faced from exposure to uranium. He was also on a team of lawyers representing individuals (downwinders) who lived in Nevada, Utah and the Arizona Strip during the days of atmospheric atomic bomb testing . Eventually he represented workers from the Nevada Test Site. These claims continued over the next 12 years and were considered first in the United States courts and finally in Congress.
Began practicing law in Phoenix; filed first claims against the United States government on behalf of 85 Navajo miners and their survivors.
Filed second suit seeking more than $50 million in damages on behalf of former Nevada Test Site workers who were sent into ground zero shortly after a bomb was exploded.
Elected to the Central Arizona Water Conservation Board.
Presented the Ansel Adams Award, the Wilderness Society's highest conservation award.
Decision in favor of the downwinders was reversed by the appellate court.
Published To the Inland Empire: Coronado and our Spanish Legacy, which retraces the trails of Spanish explorer Francisco Vasquez de Coronado as he searched for the "golden cities" of Cibola in what is now Arizona, New Mexico, Oklahoma and Texas.
Published The Quiet Crisis and the Next Generation, a revised edition with nine new chapters of The Quiet Crisis (1963).
United States Supreme Court declined to review either the miners' or the downwinders' cases, ruled the government was protected by sovereign immunity. Having been defeated in the courts, Udall took the radiation cases to the United States Congress for redress.
Relocated to Santa Fe, where he continued to write, lecture, and practice law on a limited basis.
Bestowed knighthood by King Juan Carlos of Spain for his book To the Inland Empire
The Radiation Exposure Act was signed into law by President George H.W. Bush. The act apologized to the victims of uranium sickness and ordered payment of up to $100,000 for miners, ranchers and others exposed to radiation from mining or above-ground testing in the late 1940s through 1960s.
Co-authored Beyond the Mythic West, which examines effects of change upon the inhabitants and land of the western United States.
Published In Coronado's Footsteps, which examines Francisco Vasquez de Coronado's exploration and discovery of the Southwest.
Co-authored Arizona, Wild & Free with nephew Randy Udall and the Arizona Game and Fish Department, a look at Arizona's wilderness areas and habitats.
Awarded United Nations Gold Medal for Lifetime Achievement.
Co-authored text for National Parks of America.
Published The Myths of August: A Personal Exploration of Our Tragic Cold War Affairs with the Atom.
Received the Common Cause Public Service Achievement Award for his lifelong protection of the environment and defense of American citizens who were victims of nuclear weapons testing.
Udall Foundation • 130 South Scott Avenue • Tucson, AZ 85701


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Baseball Hall of Fame to Host Blood Drive Saturday
Donors To Receive Free Museum Admission
August 24, 2010
COOPERSTOWN, NY – The National Baseball Hall of Fame and Museum will host a blood drive, sponsored by the American Red Cross in conjunction with Bassett Healthcare, on Saturday, Aug. 28, from 9 a.m. to 3 p.m. in the Museum's Education Gallery.
Blood donors will receive free admission to the Museum on Saturday. Volunteer donors who have not donated within the last 56 days of Aug. 28 are eligible to donate blood on Saturday.
Museum membership information is available at www.hofclubhouse.com/membership . Museum members receive free admission to the National Baseball Hall of Fame and Museum the year-round, as well as a host of benefits, including a subscription to the bi-monthly magazine, Memories and Dreams, an annual copy of the Hall of Fame Yearbook, 10% off retail store purchases, plus free shipping, and more.
The National Baseball Hall of Fame and Museum is open seven days a week year round, with the exception of Thanksgiving, Christmas and New Year's Day. From Memorial Day through the day before Labor Day, the Museum is open from 9 a.m. until 9 p.m. The Museum observes regular hours of 9 a.m. until 5 p.m. from Labor Day until Memorial Day Weekend. Ticket prices are $16.50 for adults (13 and over), $11 for seniors (65 and over) and for those holding current memberships in the VFW, Disabled American Veterans, American Legion and AMVets organizations, and $6 for juniors (ages 7-12). Members are always admitted free of charge and there is no charge for children 6 years of age or younger. For more information, visit our Web site at baseballhall.org or call 888-HALL-OF-FAME (888-425-5633) or 607-547-7200.


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Aloha oukou Kirkwood,
K-Woods Freeride team Adam "A-Bomb"Devargas, Casey Lucas & Rose "Roxy" Daiek are in the Haus of the Bird! North Face Masters of the Mountain registration was today and the comp starts tomorrow! Check the FB update and the live call video! A-Bomb reporting copious amounts of new 16" and Rose call'n it "Variable", Casey Lucas feel'n the "positive vibe" and we here at the Wood in full support of our crew. Comp starts tomorrow and you can check the links at http://www.thenorthfacemasters.com/ for all the up to date INTEL. I'll keep the 411 coming from our site here! Let's give our team some Lov'n tonight!
Check the Facebook link here @ http://www.facebook.com/video/video.php?v=494758503042&saved#!/video/video.php?v=494758503042&comments
Stay Thirsty,


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Antique Filigree Save the Date Cards The card was smaller than I expected (guess I should have looked at the demensions). My only frustration is that my picture was not very clear. I chose to do the "pearlized" paper, and because the picture is small, our faces were a little distorted. The photo was professionally done, so I don't think it was the photo's fault. I think it was the type of paper.
Save the Dates
Antique Filigree Save the Date Cards I absolutely love my save the dates from Magnet Street! I searched high and low for a vendor that would print off my guests address information on my envelopes and multiple places turned me down. I was shocked that most places did not offer this option, even if you would pay more for their trouble. Magnet Street handled all my save the dates beautifully, with my guest addresses I might add! I loved them so much I am having Magnet Street do my invitations and other stationary items. Thank you so much for your flexibility! Truly great customer service on addressing the needs of the customer!


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Fact-Checking With Tiger Global
Ishfaque is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
Editor's Note: This version has been modified to better describe the relationship between Chase Coleman, his fund, and its holdings.
Unlike numerous other hedge fund managers, Tiger Global's Chase Coleman doesn't self-advertise. The publicity-shy Coleman has every right to brag about himself, as his funds are amongst the top performers in the hedge fund universe that manage over a billion dollars, according to Bloomberg. Even though it's never a good idea to follow marquee investment managers blindly, it's a wise idea to engage in fact-checking with them periodically.
Tiger Global's knack for picking out high-potential growth companies, especially in pre-IPO technology companies, is phenomenal and his returns clearly suggest that. Let's take a look at 5 of his leading technology picks and his possible investment thesis or rationale behind these picks listed on the 13F filing released on Valentine's Day.
1. Apple (NASDAQ: AAPL): No surprises here, Coleman likes Apple. In fact, it's his biggest holding with an investment of more than $558 million. Apple's stock has been hit hard in the last 5-6 months amidst worries about slower pace of innovation and margin compression. In spite of achieving record revenue levels, the stock is languishing near 52 week lows.
The company is under pressure from shareholders and activist investors like Einhorn to return a portion of its $137 billion cash hoard in the form of dividends or a share repurchase. Apple's valuation is very attractive and the stock has a decent amount of upside left.
2. Yandex (NASDAQ: YNDX): Tiger Global has backed the Russian search giant for a while now. He was an early backer of Yandex before the company did its IPO in 2011. Tiger Global holds a stake of $330 million in the ever growing search giant.
Yandex's top line revenues have been growing rapidly, and its grip on the search engine space in Russia is rock solid with a roughly 62% market share. In addition, the company is making inroads into other growing European countries like Turkey, and expanding into e-payments as well.
Yandex just ousted Bing to claim the title of the fourth largest search engine in the world, with a global market share of more than 2.8%. Coleman thinks that Yandex still has a lot of upside left and it's pretty clear why.
3. Amazon.com (NASDAQ: AMZN): Tiger Global holds a stake of more than $311 million in the disruptive technology and retail giant. Amazon continues to dominate and disrupt the eCommerce space, while gaining ground in the tablet and e-reader devices market with its line of Kindle and Kindle Fire devices.
In addition, Amazon's cloud computing arm, Amazon Web Services is a leading cloud computing player, and is expected to grow rapidly in the coming years. Also, Amazon is investing heavily with its wide array of Video offerings, and is now in the process of releasing a number of exclusive and original content shows with Amazon Studios.
4. Yahoo (NASDAQ: YHOO): Tiger's Feroz Dewan is a believer in Yahoo's undervaluation and holds a sizable stake of $278 million. And rightly so, with a new management team in place and substantial amounts of share repurchases in the pipeline owing to its partial sale of Alibaba, Yahoo has a lot of upside. Yahoo is slated to do an additional share buy-back of more than $1.5 billion, which should drive the stock higher.
More importantly, Yahoo's stakes in both Alibaba and Yahoo Japan are both underpriced in its balance sheet, and have a much higher intrinsic value. In particular, the 24% stake in Alibaba is worth a lot more, and should be a major catalyst for Yahoo's fortunes once Alibaba conducts a widely anticipated IPO in the coming years.
5. Groupon (NASDAQ: GRPN): Tiger Global has a stake of 9.9% in the daily deals pioneer, Groupon which is valued at more than $315 million. This might be a head scratcher for some investors, but Groupon has enormous upside. The company's business model is in rapid transition and should do well over time.
Groupon is slowly evolving from a standalone daily deals company to newer business segments like Groupon Goods. In addition, the firm's merchant relationships are becoming more sticky owing to the value added services that Groupon provides like low-cost payment services and customer handling apps.
A big competitive advantage of Groupon is the large number of merchant relationships in place, which are hard for other companies to replicate overnight. With the stock trading at a fraction of its 52 week highs, Groupon has bagger potential.
The Bottom Line
It's never a good idea to follow marquee investors blindly. And one should do their own research heavily before making investment decisions. Tracking highly successful and low key buy-and-hold investors like Chase Coleman is always a good idea, at least for matching notes.
ishfaque has no position in any stocks mentioned. The Motley Fool recommends Amazon.com, Apple, and Yandex. The Motley Fool owns shares of Amazon.com and Apple. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Is this post wrong? Click here. Think you can do better? Join us and write your own!


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Easter Bunny to visit Pequot Lakes Library
Hey kids, the Easter Bunny will make a special stop at our library on Tuesday, March 26, from 6-7 p.m. There will be plenty of fun things to do, like making a craft, listening to stories, singing songs and looking for Easter eggs.
This event is sponsored by the library and Early Childhood Coalition. We sure hope you'll be able to join us and a very special rabbit!
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McCullough plays his way into starting lineup
'Physical' redshirt sophomore will start ahead of Jordan Leggett; Bradley Pinion co-starter at PK
'Physical' redshirt sophomore will start ahead of Jordan Leggett; Bradley Pinion co-starter at PK
'Physical' redshirt sophomore will start ahead of Jordan Leggett; Bradley Pinion co-starter at PK
UNC LB: "It is what it is facing a freshman quarterback. He is very talented, very talented."
Deshaun Watson's breakout game earns the ACC honor
Second home game in a row avoids the dreaded noon start
Veteran announcer comes to Clemson after working since 2010 as broadcast host at Notre Dame
Riley comes to Clemson from UAB, replaces Earl Grant on men's basketball coaching staff
50 applicants considered for Cougars' head coaching position
College of Charleston AD: 'He has learned the game from terrific coaches and is ready to lead the Cougars'
Jack Leggett's team begins work today with open practices; fans asked to stay out of construction areas
Former Clemson star, New England native comes up big in Mariners' weekend sweep at Fenway Park
2015 Tiger baseball commit catches in Under-Armour Game, which will be replayed tonight at 8 p.m. on MLB Network
Co-research with professor shows that MLB teams should develop their own at some positions, acquire talent at others
Tigers, who outshot Virginia Tech 10-8, will be at home Thursday against No. 8 UNC
Iman Mafi, Saul Chinchilla scored their first Clemson goals, as Tigers won third straight
17th-ranked Clemson women's soccer team pounded Terriers' goal for 39 shots, but needed late game-winner
Olivier Shannon's golden goal evens Clemson's record at 3-3, concludes five-game road stretch
Miller Capps, Cody Proveaux, Billy Kennerly all had rounds in the 60s for the Tigers on Friday
Stanley, Byrd need top-five finishes at Web.com Tour Championship for shot at full status
Clemson women's golf lineup features three sophomores, two freshmen
Clemson women's golf improves 20 shots, seven places in Cougar Classic


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I GREW UP IN THE 1950s in Medford and spent many hours walking back and forth to the park near my house, my eyes trained on the ground. Back then, it was a big deal to find a penny on the sidewalk — it could buy an entire stick of licorice at the corner store. You wouldn't dream of not taking a second to stop and pick up a penny.
I tended to frequent a store across from Hickey Park. It was famous for offering the best 5-cent cup of homemade lemon slush on the planet, but I usually visited for the cheaper stuff. Ensconced in the gleaming glass case was a vast array of penny candy: licorice, peel-off candy buttons, Squirrel Nut chews, jawbreakers. I ate them all, and it's a small wonder that now, at 67, I still have any teeth left.


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Halfbrick Echoes Review (PSP Mini)
Posted by Christophor Rick (TheSuperGuido), Nov 30, 2009 15:26
Chop a brick in half and you have Halfbrick. Shout out in an empty room and you have Echoes. Put them together and you have one heck of a cool game. Unfortunately, I think the major obstacle for getting gamers into the groove is that it takes a bit of playing to really get into.
But it certainly is worth that time. While I was slightly frustrated when I began playing Echoes on the PSP, eventually I settled in and realized the true greatness of the game. The major problem is there's no sort of tutorial to help you get down with all the potential controls and things you can do in the game and those pieces really help you solve the puzzle and unlock the fun.
In Echoes you have to run around in the top-down world and collect gems. Some gems have special powers and some don't. Every gem does create an echo of yourself that will begin wandering in portions of the paths you took to get the gem before. Eventually the screen can get rather crowded and you have to weave your way through them because if you touch an echo it's bad in some specific way.
Now like I said, a tutorial would do this game wonders and really help gamers get into the title quicker. I suspect that if a demo version were made available with some basic levels and help, it would sell like lemonade on a hot summer's day because you doesn't love Lemonade? There are some help pages that load before the game introduces something new, but it's just not the same. Some levels that went through all the things possible might really help the game sell.
The game's main art style reminds me of water colors but then there are some incongruous menu elements that look too computer-y. But overall the art is cool and the music is reminiscent of SNES days but with slightly better quality. It's one of those songs that you could never hum but doesn't annoy.
Each level in the game is different and that adds a lot of variety to the game along with the four game modes and three difficulty levels.
The game modes are:
- Arcade - play through all the levels to get to the end
- Jackpot - Time limited levels where the score per gem continues to increase as long as you don't touch an echo. Touching an echo forces you to begin at 1 point per gem again. Goal - Highest score.
- Survival - Time-limited levels where picking up gems adds to your score and your time. Hitting an echo removes time. Goal - Highest score.
- Clockwork - My personal favorite. Run around collecting gems which creates Echoes. But the echoes are frozen in time. Use the L and R buttons to move time forward and back to move the echoes out of your way. Very cool game mechanic.
Along with all of that Halfbrick included its own set of Trophies for doing various things. This game seems to have certainly been made on a tight budget as there is nothing overly flashy about it besides the game play. That's not at all a bad thing because it certainly looks to me like they took the time and money and put it exactly where it should have been - cool game mechanics, fast-paced controls and gameplay and addictive puzzle solving.
As a PSP Mini this game should rocket to the top of the charts (which it failed to do on Xbox LIVE we're told). Echoes from Halfbrick is so cool that calling it a mini, sounds like an insult.
Rating: 4.0, votes: 1


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We're thrilled to roll out our new Children's genre—now live in the app! With everything from classics and award-winners to new favorites and more, this genre will have something for anyone who ever graduated past those Dick and Jane books.
While we're at it, we're also excited to announce our new agreement with Disney Publishing! Disney is home to some of the most beloved characters of all time, and we're so excited to have Mickey Mouse, Cinderella, Disney Fairies and many more available to read now in our library. We're committed to expanding our offerings for young readers, so stay tuned for even more classics and bestsellers from eminent children's publishers—coming soon!
Whether you're a kid yourself or someone who used to be a kid (that should cover everyone reading this now), dive into timeless children's literature and contemporary gems on Oyster.


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A delicately designed delight! Crafted in your choice of 18K white, rose or yellow gold, this necklace features a twisted diamond cut chain that creates just the right amount of sparkle. Ideal for wearing alone or with your favorite pendant. The necklace measures 18"L or 20"L and weighs a minimum of 2.1 grams (18") or 2.3 grams (20"). Completed with a spring ring clasp.
Part of the Viale18K® Italian Gold Collection. Made in Italy.


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Nothing says you respect your job and loved ones like the limited-edition Family Friendly Print from GFDA. This brand with a taste for curse words recognizes its approach to extolling wisdom and advice may not be for everyone, so in a concerted effort to improve public relations has made just moderate adjustments to its original design. Let's say…out of consideration for your delicate sensibilities. Silkscreened by hand by the folks at A Hot Mesh Printing on 100Lb cover French Pop Tone paper.
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