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Student-debt forgiveness plans skyrocket
As fears rise over costs and higher tuition, some law schools advertise their own plans to cover loan replacements.
This post comes from Josh Mitchell at partner site The Wall Street Journal.
Government officials are trying to rein in increasingly popular federal programs that forgive some student debt, amid rising concerns over the plans' costs and the possibility they could encourage colleges to push tuition even higher.
Enrollment in the plans—which allow students to rack up big debts and then forgive the unpaid balance after a set period—has surged nearly 40 percent in just six months, to include at least 1.3 million Americans owing around $72 billion, U.S. Education Department records show.
The popularity of the programs comes as top law schools are now advertising their own plans that offer to cover a graduate's federal loan repayments until outstanding debt is forgiven. The school aid opens the way for free or greatly subsidized degrees at taxpayer expense.
At issue are two federal loan repayment plans created by Congress, originally to help students with big debt loads and to promote work in lower-paying jobs outside the private sector.
The fastest-growing plan, revamped by President Barack Obama in 2011, requires borrowers to pay 10 percent a year of their discretionary income—annual income above 150 percent of the poverty level—in monthly installments. Under the plan, the unpaid balances for those working in the public sector or for nonprofits are then forgiven after 10 years.
Private-sector workers also see their debts wiped clean—after a longer period of 20 years—reflecting a government aim to have no one, wherever they work, paying down student debt their entire working life.
An independent study estimates the future cost of the 2011 program, known as Pay As You Earn, could hit $14 billion a year.
The Obama administration has proposed in its latest budget released last month to cap debt eligible for forgiveness at $57,500 per student. There is currently no limit on such debt.
The move reflects concerns in the administration not just about the hit to the government, but over the risk that promising huge debt forgiveness could make borrowers and schools less disciplined about costs. Colleges might charge more than they would otherwise, leading students to borrow more.
Federal data show tuition and fees are up more than 6 percent a year on average in the past decade, more than 2 1/2 times inflation.
Congress is unlikely to pass the proposed revamp this year, but the administration has pushed other changes, such as extending the forgiveness window to 25 years for the most-indebted students. The main aim, administration officials say, is to curb eligibility for forgiveness while allowing more borrowers to repay loans based on their income.
Dorie Nolt, a spokeswoman for Education Secretary Arne Duncan, said the proposals are meant to ensure the "neediest borrowers" benefit and to protect the program from "institutional practices that may further increase student indebtedness."
Supporters of the forgiveness program say it is working largely as designed.
"Given the increasing cost of college, the need to borrow money to cover tuition payments can price students out of socially important but historically low-paying jobs, like teaching and social work," said Rep. George Miller of California, the senior Democrat on the House education committee.
A top Senate Republican, however, is calling for change.
"Income-based repayment can be a way for students responsibly to manage debt, but it should not be a bailout for students who borrow too much or for schools who charge too much," said Sen. Lamar Alexander of Tennessee, the ranking Republican on the Senate Education Committee.
Law schools at Columbia University, the University of Chicago and Georgetown University are among those offering some graduates additional aid to cover all or part of their minimum monthly payments under the federal plans.
Max Norris, a 29-year-old lawyer for the state of California, illustrates the potential costs of the program. He pays about $420 a month to the Education Department on his $172,000 in debt, which he says fails even to cover the interest owed. But his out-of-pocket expense falls to $100 monthly after aid from his school, University of California's Hastings College of Law.
Mr. Norris, who makes $60,000 a year in his job, would have about $225,000 in debt forgiven after 10 years, assuming he stays in public service and his salary rises 4 percent annually, according to a repayment calculator created by the New America Foundation, which advocates less-generous forgiveness.
He said he learned of the programs before enrolling. "My intent the whole time in going through law school was to take advantage of this program," he said.
Schools aren't shy in touting the programs' benefits.
Georgetown said on its law-school website until recently the school's aid combined with the federal plan "means public interest borrowers might not pay a single penny on their loans—ever!" A school spokeswoman said the statement was removed this year in light of the proposed changes in Mr. Obama's budget.
Georgetown Law Dean William Treanor said the school sees steering graduates to public-service jobs as part of its Jesuit mission. The school, which assists only those who go on to work in the public sector, spent about $2 million last year covering payments for those in the federal program, he said. In all, 432 Georgetown graduates are now in the program, up from 264 in 2012. Annual tuition is $50,890.
Mr. Treanor said the program doesn't influence the prices the school charges its students.
The plans' long-term costs have greatly outpaced the government's predictions. In the last fiscal year, debt absorbed by the repayment plans from the most widely used student-loan program—Stafford loans—exceeded government expectations from a year earlier by 90 percent.
A report last week from the Brookings Institution, a centrist think tank, offered one of the few preliminary examinations of the programs' impact. The most popular plan could cost taxpayers $14 billion a year if it becomes available to all borrowers as Mr. Obama has proposed, while fueling tuition inflation, it said.
"Loan forgiveness creates incentives for students to borrow too much to attend college, potentially contributing to rising college prices for everyone," the study said. The authors recommend scrapping the forgiveness provisions.
Student debt has nearly doubled since 2007 to $1.1 trillion, disproportionately driven by the growth in graduate-school debt.
The government has offered some form of income-based repayment since the early 1990s, but few students found the terms enticing. But in 2007, Congress allowed borrowers working in nonprofit and government jobs to have unpaid debt forgiven after 10 years, and cut monthly payments for new borrowers to 15 percent of discretionary income.
In 2010, it cut those payments to 10 percent for borrowers who took out loans from 2014. A year later, Mr. Obama, through executive action, moved up the date when borrowers could qualify for the new terms, creating a program for those who took out loans from 2011. The White House this year has proposed making the program available to all student borrowers, regardless of when they signed their loans.
The popularity of the programs surged after the Obama administration began to promote them, starting in 2012, on the Internet and later through email to borrowers.
Supporters of generous loan-forgiveness plans for public-service workers say the policy helps talented workers stay in jobs that typically pay less than the private sector.
"As soon as the government had them trained up for public jobs they left it. It was an incredible cost," said Philip Schrag, a Georgetown University professor who has researched the income-based repayment programs.
The plans are designed to help people like Jacqueline Grippe, a Monroe County assistant public defender in Rochester, N.Y. Using an income-based repayment plan, Ms. Grippe pays about $350 a month toward her roughly $180,000 in debt, most of it accrued at Syracuse University's law school, from which she graduated in 2012.
That keeps her payment manageable on a $58,500 salary, she said, and relieves the pressure of having to find work at a higher-paying law firm. Syracuse isn't assisting in the payments.
"Being in the public sector is a calling for me," said Ms. Grippe, 29. Without the repayment plan, she said, "I don't know what I would do."
More from The Wall Street Journal
I worked for the first year after high school to save for college. Then while was in college, I worked nearly full time plus 2 jobs during the summer. I went to a state university because it was less expensive that private universities. Graduated with under $5000 of student loans. Now as a taxpayer I have to pay for others college who won't sacrifice like I did to get an education. How much are these kids contributing to their education?
Bend over hard working, taxpaying US Citizens - the obama Administration is going to give it you again. Buying votes for the progressive left and democratic party using Taxpayer money, more Americans dependent on the government for something, education payments, food stamps, Obama phones, housing, obamacare subsidies (before ACA my healthcare cost were less than $100 a month - now without even stepping in a Dr. office my cost are nearly $300 - last week I paid for two insurance covered prescription nearly $400.00 - under my old insurance plan $20.00, Under President Bush gas went above $2 a gallon and democrats and progressive left accused Bush of 'wiping out the middle class', obama is able to do the old shuck and jive and no one say a thing.
My son, who is paying for his own education, mentioned something over the weekend. He said there are only two reasons dictators are able to rise in a society - Economics and Religion. Basically every dictator has used one of the two to gain power. I am nearly 60 and the next thing he said knocked me over, it was something I had never thought possible in my life time but now I don't know - 'Do you think Obama is going to step down when his term is up or do you think he will try to become a dictator under the guise of some economic crises - the federal debt continues to grow everyday and has reached the point we may never be able to pay it off'.
"The fastest-growing plan, revamped by President Barack Obama in 2011, requires borrowers to pay 10 percent a year of their discretionary income—annual income above 150 percent of the poverty level—in monthly installments. Under the plan, the unpaid balances for those working in the public sector or for nonprofits are then forgiven after 10 years."
So basically, you get free college if you never leave the system? It's not written very clearly but since their talking about discretionary income, what's to stop one from keeping their "discretionary income" at 5 bucks? After the BMW payments, vacations, and 2nd mortgages.... 50 cents a month for ten years, then a zero balence, just so long as you're a cog in the preferred machine right.
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CareerCast has released its list of jobs that really aren't as glamorous as they seem.
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You don't want to do that. Your boyfriend is probably a nice guy but you don't want him costing you money like that. Boyfriends typically increase the price of the policy because they are usually "riskier" drivers, being male and all. He's more on how he'll break your heart -- and your car insurance rates.
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However, if he's just an occasional driver of your car he's likely covered anyway. You can call your agent to verify.

subset: commoncrawl


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It's the 27th anniversary of…….Ferris Bueller's Day Off!!!!Read More »
THIS is why I get excited for E3 every single year. You get better looks at the games coming out in the fall. The trailer for the ne...Read More »
Today Sony announced that you WILL be able to lend, sell, and buy used games with the PS4. It will NOT need to connect to the ...Read More »
These Nike Mags were customized by none other than Mache Customs. [Source GeeksAreSexy.com ]Read More »
Over the weekend I got to fulfill one of my dreams and cross it off my bucket list. I visited Metropolis, Illinois during the Annual...Read More »
Fans of the Joker are laughing themselves silly over an upcoming figure from Hot Toys. The Joker 1989 Mime Version DX 1/6 scale fi...Read More »
The picture you are looking at is from my own personal collection of many different systems and games that I own. (that system is...Read More »
Get your geek on, Superman fans! The final trailer for Man of Steel has just been released and it looks absolutely fantastic! ...Read More »


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**Extended comments highlighted in blue
It's one thing for the senior generation to make transition plans for the upcoming generation of farm managers. It's an entirely different thing when those younger folks lack both the ownership equity and the management know-how to step into dad's and uncle's shoes.
Greg and Jim Moes of Goodwin, S.D., have reached that point with Greg's sons, Jacob and Scott. The Moeses are part of Farm Journal's Legacy Project, which helps farmers transition their businesses to the succeeding generation.
"When Jim and I started farming, our folks helped us buy land and build equity that way," Greg says. "Often, we were able to pay for the land in five years, something that's pretty tough to do right now."
Bringing the next generation into an ownership position has also been difficult during the last few years. Greg and Jim have struggled with the aftermath of the milk price crash of 2009 while at the same time more than tripling their herd size.
In 2009, they added 800 cows, growing the herd to 1,400. They added 500 more in 2011 and another 300 this year, bringing their total cow population to 2,200—milking and dry.
Since the 2009 expansion, they've done it all through internal growth.
Sexed semen and pasteurized whole milk have provided a real boost to heifer numbers. "We've only lost two calves since last March once they've gotten to the hutches," Greg says. "The last time we bought replacements was in 2009."
The replacement enterprise might provide an opportunity for Jacob and Scott. Right now, the Moeses raise their heifers through 12 weeks, then send them to a grower for the next nine months.
But even those nine months away from home can be expensive, especially at current feed prices. "We'd actually be better off right now to sell the heifers as calves and buy back springers," Greg says.
The economics of custom heifer raising ebb and flow with feed and milk prices. Longer-term, having full control of the replacement enterprise is a better strategy, Greg believes.
"We're looking at some type of heifer facility at a size that is functional for us, maybe 2,000 head," Greg says.
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Shop Talk
Style and sample sales, fashion and fun.
BloggersAlison Bernicker Anne Bratskeir Joseph V. Amodio Barbara Schuler Ginny Dunleavy
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Joseph V. Amodio
The best new products to treat damaged hair
April showers bring ... you know. But wintered-out, brittle hair could use hydration, too. Treat it before, during, and after shampoos with:
1. Philip Kingsley's Elasticizer Extreme: Apply biweekly to wet hair (mid-length to ends), cover, leave on two to 20 minutes, then shampoo, $45; at philipkingsley.com.
2. Garnier Fructis Damage Eraser Strength Reconstructing Butter: Launched this...Read more »


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Regular bowel elimination is essential for overall health. Bowel Cleanse is a gentle, natural colon cleansing formula that supports the body's natural detoxification and cleansing processes, and promotes regularity.
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Is it necessary to use CleanseSMART if I've completed First Cleanse?It is up to you. Although ReNew Life recommends a progressive cleansing program, beginning with a first-time cleanse and advancing as needed to a stronger or more targeted formula, you should do what feels right for your body. Beginning with First Cleanse is recommended for inexperienced cleansers. Then, once the channels of elimination have been opened up and one's body becomes accustomed to cleansing, he or she may want something deeper. That is where CleanseSMART would be beneficial. If one has a problem with constipation, an herbal laxative formula such as CleanseMORE may be added to help relieve occasional bouts of constipation.
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Is fish oil safe?Yes. Fish oil supplies Omega-3s, which are the "good" fats that support health and vitality, and that our bodies cannot make.
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Do I have to complete all of the cleanses before I take CandiGONE?No, but ReNew Life recommends that you complete a total-body cleanse such as First Cleanse CleanseSMART initially to open up the 7 channels of elimination and allow the body to become accustomed to the cleansing process. There is no required waiting period in between these two cleanses.
How will I know the cleanse is working?Everyone will respond differently to cleansing. Typical cleansing responses may include one or more of the following: slight headache, fatigue, muscle and joint aches, minor flu-like symptoms and sometimes minor skin eruptions. These responses usually last about 2 to 3 days, depending upon how the body responds. Every person responds differently to cleansing. Results may vary, but many people experience a general sense of well being and increased energy.
If I do not take FiberSMART and OilSMART with the cleanse, will it still be effective?Yes. However, the fiber and oils will help you obtain the maximum benefits of the cleanse. Be sure to include a lot of high-fiber foods in the diet (25-35 grams a day) if you are not taking a fiber supplement, as fiber helps absorb and eliminate toxins and waste from the intestines. If too little fiber is consumed, bowel movements may not be regular and toxins that are not eliminated may be reabsorbed back into the bloodstream and the body.
Can I take more than one cleanse at a time?Generally, ReNew Life recommends taking only one cleanse at a time, but there are some exceptions. You may combine Liver Detox only with any of the other cleanses, except for Total Kidney Cleanse, as long as you have previous experience using these cleanses separately and know how your body responds to each cleanse. They suggest starting out with a half dose of both for the first three days and on the fourth day, increasing one cleanse to full dose followed by the other after another three days.
How long can I use a cleanse?Generally, the cleanses can be used for a maximum of 3 months straight without a break, unless there are special breaks specific to certain cleanses. These include Total Kidney Cleanse, which is taken 2 weeks on, 2 weeks off and then 2 weeks on again, and ParaGONE, which is taken for 15 days, with a 5-day break, then 15 days back on again. This pattern should be followed if these cleanses are repeated.
What if I forget a dose?Do not attempt to double up on a dose, but continue taking the cleanse as suggested the following day. You may end up with an extra dose at the end of the cleanse, and that is fine.
About ReNew Life ReNew Life was established in 1997 by Brenda Watson and her husband Stan. Brenda has become one of the nation's leading authorities on natural digestive health, detoxification and internal cleansing. She is the author of 5 books on this topic and she has helped millions of people live longer, healthier lives through improved digestion, as part of her many public, TV and radio appearances and articles and seminars. ReNew Life produces the leading digestive health products available in health food stores and we take great pride in producing the best-quality products. We believe that through proper digestion and sensible dietary choices we can obtain the nutrition we all require to maintain optimal mental and physical health.
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Directions:Take 5 capsules in the morning. May be repeated in the evening. Drink plenty of water while using this product.
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Pastry chefs are responsible for more than creating decadent desserts. They utilize their specialized skills in wedding cake design, sugar sculpting, chocolate making, and baking to achieve their career and customer service goals. In order to obtain sweet career success, pastry chefs must understand the science of baking, be able to think creatively, and have a passion for the art of pastry.
The Monroe College School of Hospitality Management and the Culinary Arts in New Rochelle prepares future pastry chefs for career achievement in and out of the classroom. Our experienced faculty of executive pastry chefs, bakery owners, and chocolatiers teach students plating and decorating essentials, chef station leadership, dessert menu creation, and more. The intense curriculum is strengthened by real-world practicums, which give students a competitive edge interning at executive bakeries, specialty dessert shops, and high end restaurants.
Graduates of the Monroe College Bachelor's Degree in Culinary Arts Program have gone onto have successful careers as pastry chefs. They have also chosen to advance their education in the Master's Program. Visit here to learn how Monroe College can help you pursue a career as a pastry chef.
Associate (A.A.S.) Degree Program in Baking and PastryAssociate (A.A.S.) Degree Program in Culinary ArtsNews
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The Monroe Dining Lab
The Dining Lab at Monroe College is a Contemporary American fine dining restaurant run entirely by students from The School of Hospitality Management and the Culinary Arts at Monroe. The restaurant is designed to provide students with valuable real world experience in a la carte food production and fine dining service. The Dining Lab will be open Wednesday's and Thursdays from May 22nd through July 25th. Seating times are: 6:30, 7:00 & 7:30pm
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Tulane, Let's Talk
|I am a Tulane student. I am aware from friends, classmates and student leaders that sexual misconduct and aggression happens on our campus like it does on other campuses, but no one seems to talk about it. I believe that we can promote healing on campus if we can talk to one another and understand this problem through each others' experiences. The silence makes it so that we don't have enough information about what's going on.
Have you been involved in sexual misconduct? Are you a faculty member? A friend? Have you seen it happen? Do you think you've partaken in it?
Join the conversation to heal the Tulane community and end its culture of rape.


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Central Power Systems & Services is a distributor for Allison transmission, MTU/DD engines and has a rent... more
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It Is A MysteryUse Hilda's Anomaly Tracker to find and disperse an anomaly.
|Anomaly dispersed
DescriptionThere's somethin' down there that was spookin' the workers. Some kind o' anomaly... looks like a ghost, or a magic spell... like nothing I've ever seen. I did manage to get a reading on it and put together this device to try to track it down. The display on the device will let you know roughly how close you are. Once you get close enough, you can use it to draw out the anomaly and get rid of it for good!
Good work! Now maybe the workers can get through a day without fillin' their britches!
RewardsYou will receive: 19 84 50
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GainsUpon completion of this quest you will gain:
- 236,000 experience
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text: 18 Oct 2013 YOUTH BECOMES HER If it's youth you're after Words Jamila Robertson There have been serums—powerful ones out to correct—and there have been foundations, boasting of their ability to snatch back the years. Yet until now, no-one has managed to combine the two with such finesse as Terry de Gunzberg. The woman who pioneered Touche Éclat during her time at YSL, continues to set the standard through her own label, By Terry. Her skincare, lipsticks, and metallic shadows are all leaders, yet it is her newest venture, that will have women of every age buying in bulk all over again. By Terry's Terrybly Densiliss foundation serum, is not a foundation with a touch of serum, or vice versa, it is a robust blend of both that provides instantly plump skin. Though it is principally anti-aging, it works wonders on anyone in need of a skin or complexion boost. Commendably, it comes in ten self-adaptive shades which flawlessly fit the fairest alabaster to the richest ebony tones. Light in texture and dewy in finish, Terrybly Densiliss is as fragrant as the finest skincare. Thanks to its Mimetic Factor, this foundation serum instantly becomes a second skin, smoothing out wrinkles and reinstating radiance—making youth eternally attainable. Facebook Twitter Pintrest


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Bobby Long and Terry Tauger kiss on the steps of Northrop Plaza during a rally against the marriage amendment at the University of Minnesota, Oct. 29.
Election night this year was a historic one for the LGBT community. Four states endorsed same-sex marriage via ballot measures and openly gay candidates won a number of political races across the nation.
Maine became the first state to legalize same-sex marriage by ballot measure, as the results of its popular vote were the first called by The Associated Press. It was then followed by Maryland and Washington.
While same-sex marriage remains illegal in Minnesota, the state's voters rejected a constitutional amendment that would ban its recognition, according to USA TODAY.
Wisconsin made history by opting for Democrat Tammy Baldwin, the first openly gay person to be elected to U.S. Senate.
In Rhode Island, U.S. Rep. David Cicilline won re-election to represent the first congressional district. Rep. Cicilline previously made history as the first openly gay mayor of a U.S. state capital when he served as the mayor of Providence.
In New York, Sean Patrick Maloney became the state's first openly gay member of Congress, according to The New York Times, when he beat out Tea Party incumbent Nan Hayworth in the redistricted NY-19.
The culmination of these victories may be a tipping point in the broader scope of the fight for equality, according to a panel held at Boston University's College of Communication.
The panel, entitled "Tales from the Trail: Election 2012" and held Nov. 14, was organized by the Boston chapter of the National Lesbian & Gay Journalists Association and sponsored by Boston University's student chapter of the Society of Professional Journalists.
"It certainly feels like a tipping point after having lost 32 states," said panelist Lisa Keen, founder and chief correspondent of Keen News Service, referring to the 32 states that have previously voted to keep marriage restricted to heterosexual couples.
The success of same-sex marriage ballot initiatives in this year's election is due in part to the youth vote, according to Keen.
"The younger demographic is more willing to stand up for gay friends and equal rights," she said. "They're also able to persuade their parents."
People under 30 made up 19% of this year's electorate, 1% higher than in 2008, according to a press release by the Fair Elections Legal Network. Sixty percent of voters under 30 voted for President Obama, according to USA TODAY.
The president's official endorsement of same-sex marriage in May may also have influenced voters' decisions, said panelist Dante Ramos, the deputy editorial page editor for the Boston Globe.
"He took a risk," said Ramos. "There is a certain comfort level that endorsing equal rights is no longer the pox on a candidate running for public office."
Change in messaging language within campaign advertisements also made a difference, according to the panelists.
"There was a deeper conversation about what marriage and family is really about," said Chuck Colbert, a journalist for Bay Area Reporter, The Rainbow Times and other publications.
Rather than focusing on legal marriage benefits such as visitation rights and employment assistance, campaign advertising focused on the more personal aspects of marriage, such as love, commitment and family. The result was a more relatable approach that was effective in changing people's minds, the panelists claimed.
"That's how people change their minds — one by one," said panelist E. J. Graff, a contributing editor for The American Prospect and The Advocate. "Eight years is sufficient time for more people to enter the electorate and for the electorate to change their minds."


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Profiting from booze, cigs and gambling
One fund looks for opportunities in 'sin' stocks, and is beating the market with a 4.5% return.
Just look at the Vice Fund (VICEX), which goes out of its way to put money into habits your mother might frown on. The fund is up 4.5% this year and ranks in the top 3% of its peers, the Associated Press reports.
Vice invests almost equally in cigarettes, booze, gaming and casinos and defense contractors. Wait a minute. Defense? The idea is that defense profits off of the escalation of conflicts. Not exactly a vice, but we'll cut the fund some slack.
The trend helping Vice the most is the runup in cigarette stocks, which have boomed an average of 12% this year, the AP reports. The fund's three biggest holdings are Philip Morris International (PM), Lorillard (LO) and Altria Group (MO).
Defense contractors are up about 12% and alcoholic beverage stocks have seen a 6% rise.
Only gaming companies are bad luck for the Vice Fund. Casino stocks have crashed in the recession, pulled down by debt from building massive resorts.
The AP interviewed the fund's manager, Jeff Middleswart, about Vice and why it's doing well. He said that because some people don't want to own "sin" stocks, they're available at a discount.
"If you listed everything you look for in a stock - companies with growing cash flow, that pay dividends and buy back shares and have clean balance sheets - you'd find a huge list of sin stocks," he added.
Middleswart praised the dividend from Philip Morris, with a nearly 5% yield. He said he's also expecting a bigger dividend from Anheuser Busch InBev (BUD) -- perhaps as high as 5% or 6%.
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Hi - Lux 1x30 mm Red Dot Tactical Sight
Item # WX2-162537
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Hi - LuxTM 1x30 mm Red Dot Tactical Sight... compact and lightweight!
Beefed up construction allows you to fire heavier-recoil guns without worry. And truth be told, it's a lot easier to point and shoot with this Tactical Red Dot Sight than it is to line up your traditional sights. That's why it's time to upgrade!
Adjust the brightness of the dot for easier sighting in high or low-light conditions. Features 100% waterproof, shockproof and fogproof construction so scope durability is always the furthest thing from your thoughts.Perfect shot:
- Features 1x magnification with a 30 mm objective lens
- F.O.V. @ 100 yds. is 68 feet
- Dot reticle
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Share your comments
Spirit car : journey to a Dakota past
Wilson, Diane
Adult Nonfiction E99.D1 W84 2006
Wilson, Diane
Adult Nonfiction E99.D1 W84 2006
What other readers are saying about this title:
Linda B. said:
Intrigued by the story that her mother spent two years at an Indian boarding school without seeing her parents, Diane Wilson searches for clues to her family's Dakota past. While growing up in Golden Valley, Wilson identified herself as part Swedish like her Lutheran father. She searches records and explores places in Minnesota, South Dakota, and Nebraska where her ancestors had lived, and finds connections and stories that help heal the hidden past.
posted Jan 23, 2007 at 4:04PM
gabby said:
by the story this girl mother spent two years at an Indian boarding school. with out seeing her parents, the girl search and search for clues to her family life stores, while she was growing up in golden valley, Wilson herself as part Swedish like her Lutheran father. she search and explore place in the u.s.a places like south Dekota,and Nabraske where ancestors had live, and finds connections to her family pasted life and stores Behing that connections...
posted Oct 8, 2007 at 5:55PM
EmilyEm said:
Part memoir and part history, Wilson looks for her mother's family, one not talked about by her mother and siblings while Wilson was growing up. My own family genealogy has a similar—though not quite so painful—past. It took my own mother many years to talk about her early life. I thought Wilson's book might help me write this story. She uses both context and fact to tell it; it's something genealogists sometimes need to do. She did it well, although I found parts repetitive.
posted Feb 11, 2011 at 9:50AM
Plymouth Library said:
Plymouth Reads 2013.
posted Dec 10, 2012 at 4:59PM
KatieJo said:
I enjoyed this book and reading about the history near my childhood home. I grew up in "Dakota" territory near Mendota, MN. Diane Wilson's description of the forced march brought me to tears.
posted Oct 9, 2013 at 1:55PM
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The Rocketgirl 5 is the spike of choice when you still haven't chosen your events. The versatile spike plate puts you in a good position for any sprint or distance event and the EVA heel wedge is great for beginning hurdles and jumpers. Includes ten 5mm pyramid spikes and a spike wrench.
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BOWLING GREEN, OH (Toledo News Now) - Santa Claus is making a special appearance at the Wood County District Public Library to read festive stories to all the kids who have been nice boys and girls this year.
Santa will be spreading Christmas cheer in the form of holiday stories Saturday at 10:30 a.m. The library is located at 251 North Main Street in Bowling Green.
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Tired of struggling with that bottle of wine? Check out the easy-to-use Monopol corkscrews, bottle openers, or any of the barware that will make life easier. Whether youre looking to deck out your home bar, or youre a professional waiter or bartender, youll make your life easier by using any of these bar accessories.
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GREEN BAY, WI (WTAQ) - Officials at the University of Wisconsin-Green Bay have received an investigator's report into allegations of abuse against men's basketball coach Brian Wardle.
The investigation involved allegations of verbal and emotional abuse by Wardle. The investigation began last month, led by local attorney Joe Nicks.
The mother of former UWGB Phoenix player Ryan Bross sent a letter to the school, which sparked the investigation. A second parent, the mother of former forward Brennan Cougill, also sent a letter upset about Wardle's coaching.
According to the school, Chancellor Tom Harden said Wednesday that the University will publicly release the investigator's report as soon as it is legally permissible to do so.
Because the allegations arise out of Wardle's employment at the University, the Wisconsin Public Records law requires the institution to provide a notification to him that the report will be publicly released.
Wardle has up to 10 days to review his copy of the report and challenge whether all or part of the document should be released.
Before the report and any decision are released to the public, Harden is planning to meet with Wardle.
The Chancellor said the University will have no further comment until the report is made public.


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VISCOM Video Converter SDK ActiveX 3.28
Allow Input FLV, F4V, AVCHD (m2ts, ts), Mp4, m4v, QuickTime MOV with aac audio, 3gp, 3g2 with amr audio , MPEG1, MPEG2, VOB, WMV, AVI, ASF DIVX file. Convert, Resize video to AVCHD (m2ts,ts), RMVB (Real Media Video), Animated GIF, QuickTime MOV , DIVX, AVI, WMV, MPEG1, MPEG2, VCD-PAL ,VCD-NTSC, SVCD-PAL, SVCD-NTSC, DVD-PAL, DVD-NTSC. Allow output AVCHD(m2ts, ts) with 1920x1080, 1280x720, 720x576, 720x480. Allow change the frame rate, resolution of Real Media Video. Allow use built-in MPEG layer 3 audio compressor when output avi file. Create video slideshow or image slideshow with over 70 transitions. Export high quality Animated GIF from video or image files, you may set the frame rate, transparent color, Optimizing Color Quantization. Allow user define video, audio bit rate, audio sample rate, audio channels when output MPEG1 or MPEG2 file. Allow output HD MPEG2 file, up to 1280x768, 1280x720 MPEG2 file. Draw multi-line text or add an image at specific time on your video, include fade in, f ...
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VISCOM Digital Signage Display Software 8.18
AV Manager is a Digital Signage, Multimedia display, Digital Video Management software which can operate multiple display units ( plasma, LED, LCD displays, VGA projectors and video walls) AV Manager supports various types of contents, such as F4V, M2TS,MPEG-1, MPEG-2, MKV, .DIVX, AVI, WMV, ASF, QuickTime, TV channel, cable TV, web cam, text, BMP, GIF, JPEG image, live events from Microsoft Expression Encoder and RSS Feeder, RSS Scrolling Text. AV Manager supports all these contents running on plasma TVs, LCD displays, LED signs. Display units must be connected to one or more PC workstations that have individual fixed IP address. Therefore contents can be sent to selective display units. Various types of contents are supported, such as MPEG 1 and MPEG 2 video, picture, website, text, digital clock, ad-hoc text message, PowerPoint, Flash File, TV channel or cable TV programs. Sequence feature is to group a number of contents into groups or categories each with a sequence of play-list order, so that use ...
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VISCOM Screen to Video Gold SDK ActiveX 2.58
Record screen activity, mouse movement to mp4, vcd, svcd, dvd, swf, flv, avi ( compressed or uncompressed), or wmv files. Support Record and audio mixing specific audio device with Speaker at same time (include support Window 7 and vista) Record any monitor screen from a multi-monitor system. Support Zoom in, Zoom out to specific area when screen capturing. Support Pause, Resume when screen capturing. Allow use mp3 audio codec and adjust audio bitrate, sample rate, channels when save to avi file. Draw texts, images, date time on video when screen capturing. Draw Multi images, texts on video in same time. Draw overlay time stamp (18 different date formats) on video. User define transparent color, alpha value when draw images on video. Draw multi-line overlay text on video provide over 50 different text styles. Capture full screen or portion of the screen. Capture screen from specific window handle. Capture Ms Window Media player and game (need turn off Hardware acceleration). User ...
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VISCOM Screen Recorder ActiveX SDK 4.65
Record screen activity, mouse movement to swf, flv, avi ( compressed or uncompressed), or wmv files. Record any monitor screen from a multi-monitor system. Support Zoom in, Zoom out to specific area when screen capturing. Support Pause, Resume when screen capturing. Draw texts, images, date time on video when screen capturing. Draw Multi images, texts on video in same time. Draw overlay time stamp (18 different date formats) on video. User define transparent color, alpha value when draw images on video. Draw multi-line overlay text on video provide over 50 different text styles. Allow use mp3 audio codec and adjust audio bitrate, sample rate, channels when save to avi file. Capture full screen or portion of the screen. Capture screen from specific window handle. Capture Ms Window Media player and game (need turn off Hardware acceleration ). User define capturing frame rate. Enable or Disable capture mouse cursor. Support Custom WMV Profiles.You can output WMV 9 format, configure str ...
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VISCOM Video Edit Converter Gold 5.21
Convert between any video formats: Input Formats: FLV (Flash Video), AVI (DIVX, XVID), MPEG1, MPEG2, MPEG4 (iPod, PSP, MP4), 3GP, 3GP2, MOV, DAT, WMV, ASF. Output Formats: FLV, SWF, AVI, MPEG (DVD, VCD, SVCD, MPEG1, MPEG2), MPEG4 (iPod, PSP), 3GPP, 3GPP2, WMV, RMVB, MOV, MP3, WAV. Cut, Merge a lot of video/audio files into 3GP, FLV, SWF, iPod, PSP, MP4, RMVB, MP3, WAV, WMA, MOV, MPEG1, MPEG2, VCD, SVCD, DVD, AVI or WMV files. Add Overlay Image (Bitmap, GIF, JPEG, PNG) to your video file, user define transparent color, position of image, Alpha channel value. Add 3D transitions (70 transitions) (any combination of video clips). Draw Banner text in video file, support different text style, including outline , filled outline, hash brush text style. Add awesome effects (over 50 effects) (any combination of video clips). Draw multi-line text at a specific time in your video file, user define transparent color, position of text, Alpha channel value. User define thumbnail ...
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VISCOM AVI Converter 1.58
It have player features, It can play a huge variety of video formats with full screen mode. It can add overlay scrolling banner text, support different text color, background color with alpha channel value. It can use Classic skins. It can input *.VOB, *.AVI, *.WMV, *.ASF, *.MPG, *.MPEG, *.MP4, *.DAT, *.MOV, *. FLV, *.3GP, *.3G2 files. It can create slow motion effect on video files at once. It can convert several video files at once. It can merge several video files at once. It can cut several video files at once. It can compress into AVI file with different codec , e.g. DIVX, XVID, DV Video Encoder Video Codec with MPEG Layer-3 Audio Codec. It can resize the video with different resolution.
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VISCOM Karaoke DJ Mixer ActiveX SDK 2.51
Mix music and voice from microphone to wav or mp3 file in real time and adjust volume when mixing Support Playback wav, mp3, mpg, avi file and display waveform graph. Capture audio from selected audio device. Include c# , VB.Net, VFP, VB , VC++, Delphi Audio Capture, Change Pitch Sample. Allow display waveform with left, right channel. Customizable the waveform allow you to change the background color, left/right channel's waveform color, offset, divisor of waveform. Allow display floating popup waveform window or child style of waveform window. Capture audio to Wave, WMA, MP3 file format. Capture audio from selected audio input pin. for example, online streaming audio, radio, audio players (e.g. Media Player, WinAmp, Real Player ), Line In , Microphone, Stereo Mix, Mono Mix, Aux, Video, CD Audio, Phone Line. Support multiple audio devices and mixer lines. Adjust volume level for mixer line. Change the audio pitch to male, female child voices. Pause or Resume when recording. Royalt ...
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VISCOM Video Capture ActiveX SDK 6.58
Capture Video/VCR/TV Program to AVI or Streaming file format (WMV file). Add Picture in Picture effect , Video Capture mixing image file or mixing two Video Capture devices, adjust alpha channel and position of each video capture device or image. Capture Video From web cam, capture card, TV Tuner to AVI or Streaming file format (WMV file). Capture Video stream From Axis, Panasonic, D-Link, Eltis, FlexWatch, Gadspot, GRANDTEC, Hawking, HikVision, Hun OsBRiDGE, Panasonic, PiXORD, Planet, RF Link, Samsung Techwin, SOHO, Sony, Sparklan, Stardot, Swann, Sweex, Toshiba, TRENDnet, Trust, VCenter, Vivotek, Xannet, Y-Cam IP Camerea. Frame grabber to memory or clipboard. Refresh audio pin when audio device changed. Detecting insert or remove USB device. Support TV, FM Radio, AM Radio, Digital Satellite Service TV Tuner. Adjustment display area, e.g. full screen or user define size. Support Custom WMV Profile. You can configure streams to use Window Media Video 9 Codec, VBR and CBR bitrates, uncompresse ...
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VISCOM Media Player Gold ActiveX 3.81
Powerful media player, video player sdk activex ocx. Support Audio effects,including ParamEq, WavesReverb, Gargle, Compressor, Distortion, Echo, I3DL2. Support dual display feature, the video will display full screen in monitor 2. Support AVCHD, F4V, FLV, VOB, AMR,Mov, M4a, Mp4, 3gp, Avi, Wmv , asf, RM (need rm decoder), MPEG-1, MPEG-2 , ASF, WAV, MP3, MID File formats. Bulit in mov,mp4,3gp decoder (Do not need download third party codec pack, some third party codec pack is illegal) . Video Color Adjustment, contrast, brightness, invert color, saturate, hue, lightness. WMV, ASF, WMA support change playback rate. Custom View, Full Screen, Double Size. Allow define specific keyboard key or mousebutton clear full screen. Overlay text and bitmap on video in same time. added support playback streaming MP4, MOV video from URL, get the buffered percentage, file size, available data. Allow display secondary video window. Multi-Line Scrolling text on video. Video Mixing, you can mixing multiple vid ...
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Reserva Ecologica La Laguna
The sea is only 800 meters far away and we´re 2 km (30min walk) far from Aguas Dulces.
Ecoreserva with private spring lake,,a floating parador over the lake (half board and full board), sailing,rowing boat,horses, bykes.
Hostel:mini double,triple and quadruple rooms. Fogon with grill, barbecue, shared bathroom and kitchen.
Cabins:2/4/6 people, ensuite,rustic wood and barbecue. Potable water.hammock.Natural lighting (candles), optional generator set, gas stove. Gas freezer in the hostel.
Always combine by phone before booking.
English, Deutsch, Français, Português
Please note:
Cancellation Policy: 72hours.
Check in time: 13pm
Check out time: 10am
Only Cash on arrival.
Credit Cards not Accepted.
Availability & RatesTo view availability and prices please select dates and click 'Update Dates'
Hostel Facilities & Policies
- Airport transfers
- Bicycle parking
- Board Games
- Breakfast not included
- Common Room
- Free Parking
- Fussball
- Kitchen
- Linen Not Included
- Luggage Storage
- Meals Available
- Meeting Room
- Outdoor Terrace
- Parking
- Restaurant
- Swimming Pool
- Tours/Travel Desk
Cancellation PolicyThis property has a 3 day cancellation policy. Failure to cancel within this time will result in a cancellation charge equal to the first night of your stay.
Located Near
At Aguas Dulces stop at the police station.Walk on the Rondoni St. straight to the north east till the town ends(10min or 500mt)go on across the wood (Yes!) till the unique street crossing,turn left till the end of this street (10min) ,then turn right till La Laguna on the left hand. Even easier: follow our signals.
For your own safety,please do not enter our exclusive place unattended and by your own.Always call some days ahead, request for bus station transfer and confirm your arrival time.


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A woman being harassed has had violent messages left on her phone and pizza delivered to her house that she didn't want, according to the deputy's report.
The victim received over 100 text and voice mails threatening to sexually assault her, kill her, rob her and burn her house down, according to the report from the Spartanburg County Sheriff's Office.
On Oct. 18 the victim had about $200 worth of pizza delivered to her house that she said she did not order, the report said. The manager of the restaurant said the suspect had given the victim's name and address.
On the same day the pizza was delivered, a 911 call came in to deputies saying there was a robbery in progress at the victim's house, the report said.
When deputies arrived at the house they determined it was a false call, they said.
The report said, during these incidents the suspects will contact the victim and ask her "if she like it."
Copyright 2013 FOX Carolina (Meredith Corporation). All rights reserved.
358 TV Road,
Pollok TX 75969
FCC Public File
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Sun. - Wed.: Closed
Thurs. - Sat.: 2pm - 10pm
Earlier By Appointment
Phone: (315) 376-2386
Content copyright
3DSports is a sports bar and entertainment facility in Lowville, NY. With two golf simulators, a shooting simulator, pool tables, dart boards, a full bar, and a specialty menu, 3DSports has something for everyone!
Now serving food for dine in, take out or delivery! See our bar and restaurant page for our menus.
With Summer upon us, 3D Sports has moved to Summer hours.Watch Facebook and our website for changes.
Also, please note that we can only do deliveries with a one day notice.
Main Navigation
League Information
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Welcome to 3DSports!


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The state's controlled substances monitoring database is undergoing a lot of changes, according to David Potters, executive director and general counsel for the West Virginia Board of Pharmacy.
But some people would like broader access to the database to be among the changes.
Potters spoke to lawmakers Jan. 7 as part of regular interim committee meetings. He said the state has had a monitoring program since 1995, and it has been expanded through the years to include Schedule 2 through Schedule 4 drugs. He said a grant in 2004 helped to make the entire database web-based, so it is available to practitioners.
Last year's Senate Bill 437, which became a law and included purchasing limits on pseudoephedrine, also included extra reporting requirements Potters said the Board of Pharmacy is on its way to implement.
That new data will include the date the prescription was written, the date it was dispensed, the practitioner who wrote the prescription, the patient's full name and the identity of a person who picks up a prescription on behalf of another person.
He said the database currently is being transferred to another platform, but when it's ready, which should be in the spring, more data-driven searches can be completed to determine things such as the most popular drugs in a particular county or the most popular drug for a specific doctor.
Potters said the database has about 20 to 30 million listings in it already. His records indicate that each of West Virginia's 1.8 million people is prescribed approximately 2.5 prescriptions each year.
Sen. Evan Jenkins, D-Cabell, asked Potters how other states have structured their access to their databases. Potters said West Virginia is somewhat in the middle of the spectrum, since some states offer no access to their databases and others offer complete access.
Potters said West Virginia has about 15 federally recognized drug task forces, and members of those task forces have access along with a handful of West Virginia State Police troopers with specific authorization.
Potters said the Board of Pharmacy held the position last year, during debate over Senate Bill 437, that access should be left alone.
Cpl. Wendy Comer with the West Virginia State Police has worked with the drug diversion unit since 2008. She spoke to lawmakers and said there have been no reports of misuse of database access so far. She said troopers with access to the database keep a log of what reports are run and the reason for running them, because any member of the law enforcement community with a reasonable suspicion can request a report.
Comer said no reports take longer than 24 hours to complete, and she stresses to all members of law enforcement that the reports are just a tool, and they must be verified.
She said the information is only as accurate as the person inputting it all, so there can be mistakes, and an arrest cannot be made just based on a report.
Potters told lawmakers that troopers with access to the database receive training from the DEA and also the National Association of Drug Diversion Investigators.
Cabell County Sheriff Tom McComas told lawmakers that he doesn't need access to the database, because Cabell County has a drug diversion task force.
But, McComas said he would have liked to have had access during his investigation of Dr. Anita Dawson, a Cabell County doctor who pleaded guilty in July to aiding and abetting in obtaining controlled substances along with fraud and forgery.
"I personally know seven people who overdosed in her care," McComas said. "This is my fourth year in asking for access to this database."
McComas said he didn't think every single member of the law enforcement community needs access, but he would like to see access expanded.
"It would have been handy for me to know that Dr. Anita Dawson, in 2009, wrote more prescriptions than St. Mary's Medical Hospital," McComas said. "That would have been a handy piece of information for me to have."


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Aquaphilic Ointment for Dry Skin - 16oz
Product ID: A877746
Product Summary
- Designed to help protect against free radicals
- Formulated to provide necessary nutrients in the care of dry skin
- Hydrated hydrophilic ointment
- Odorless, non-staining, and non-irritating
Not intended for use by pregnant or nursing women.
If you are taking any medications, consult your doctor before use.
Discontinue use and consult your doctor if any adverse reactions occur.
Do not use if outer seal is missing or broken.
Store in a cool, dry room.
Keep out of reach of children.


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Do Dogs Form Friendships?
Article in Time Magazine says no
Please note comments are moderated. After being approved your comment will appear below.
Submitted by Amy | February 13 2012 | Permalink
I 100% believe dogs form friendships! I have been lucky enough to have companion animals all my life. Currently, I have four dogs. The youngest two are from an entire litter and mama I rescued. The runt and the smallest boy had a special bond from day 1. I am very ill and on disability. This enabled me to be with the litter 24/7. In addition to the litter of four and their mama, Maggie; there were my parents three dogs (older chihuahua & minpin, young mini schnauzer. I also had my two dogs, Ella a mixed breed rescue and Wickett a Yorkie on 2 yrs old. I had ample evidence of all these dogs forming different relationships with each other and with me. I named them all of course, Mr. Darcy was the smallest boy and Nettle the runt girl. These two continued to have so much love for each other. They had a different relationship with the other litter mates. The bond was so strong that I decided to keep them both so they could always be together. We found good homes for the other two as well. Mr. Darcy & Nettle are over a year old now and they still groom each other, play together, snuggle up together just like when they were only weeks old. I love them so much and I'm so glad they are part of my family now. My sweet dogs help me deal with the chronic pain and give me a reason to get up every day. They are my furkids and I know for a fact that they form friendships, very loyal friendships!
Submitted by Anonymous | June 12 2012 | Permalink
On walks dogs assess each newcomer immediately and form immediate, strong likes and dislikes indifferences. They need to decide quickly whether they want to mix or fight or play. Dogs are wysiwyg. They make snap judgements. There is no doubt that they sometimes form strong dislikes. That is more than obvious and observable. Why does one need scientific proof that they sometimes form strong likes? My energetic two-year-old rescue terrier cross will play with any dog. When I first started socialising her a year ago, she once played with a little dog we met along the way until they were both exhausted and lay panting. The other owner got up to leave. As we walked away from each other the little dogs kept looking back and pulling on their leashes as if they couldn't bear to be parted, even though they were far too tired to play anymore. Ships in the night. If we had been neighbours they would have been life-long inseparable palls.
Submitted by Jody Wright | February 13 2012 | Permalink
Animal friendships seem pretty obvious to those who share their lives with dogs. I, for one, have watched an adopted dog come into my household and bring tremendous joy and sharing to a depressed lab. It seems a closer friendship than many humans have.
Of course, that is anecdotal and I can offer no hard evidence. But isn't that like many of the intangibles - LOVE, GOD, and a few others. No matter the rigorous studies, try to prove those things, eh?
There's a whole colorful world out there . . . with no evidence to back it up, lol.
Jody Wright
More From The Bark
Copyright © 1997-2014 The Bark, Inc. Dog Is My Co-Pilot® is a registered trademark of The Bark, Inc


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Elizabeth Spencer welcomes visitors to our Tasting Room daily. Reservations are encouraged but not required.
We are open daily from 10:00 am to 6:00 pm.
The Tasting Room phone number is (707) 963-6067.
Please call to inquire about our
Garden Wine Receptions
available for groups of 6 to 20 people.
Charter Tasting
Current releases of several different grape varietals. Offered daily, no appointment necessary.
$20.00 per person.
*Complimentary for Elizabeth Spencer Wine Club members.
Cellar Tasting
Rare wines. Small production lots and wines aged under perfect conditions.
Offered daily, no appointment necessary.
$40.00 per person.
*50% savings on tasting fee for Elizabeth Spencer Wine Club members.
Blind Tasting
For aspiring sommeliers and everyday wine lovers, alike.
Challenge your palate and hone your tasting skills.
Offered daily by appointment.
$35.00 per person.
*One complimentary for Elizabeth Spencer Wine Club members per year.
Cabernet Appellation Tasting
When in Napa…An in-depth look at Cabernet Sauvignons from several Napa appellations.
Offered daily by appointment.
This is also available as a Library Tasting of aged wines.
$40.00 per person. ($75 for Library Tasting.)
*Half off for Wine Club members.
Garden Wine Reception
For groups of 6-20, we offer our Cottage and our Garden Pavilion for a relaxed atmosphere to host your Garden Wine Reception. You may schedule a structured tasting or simply enjoy our wines with your friends and family. Cheese and charcuterie plates available.
Call us for details.
Wine Club members enjoy special pricing.


text:
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Men's earrings are taking the fashion world by storm - again! Men's jewelry has been becoming more and more important for the trendy dressers of the world, and men's earrings have not been left in the dust. Whether you're looking for men's cz studs, or a slightly more subdued piece, our sterling silver guys's earrings are sure to suit your needs. Sold in pairs, our men's earrings make perfect gifts for yourself, or that special man in your life.
From hoops to studs, small to large, our silver men's earrings collection is a great place to find that piece that will add the right amount of extra polish and detail to his outfit. From simple silver studs, to tough skull and crossbones, we offer men's earrings for just about every man, and any occasion.
Available in plain sterling silver, or with the sparkle of cubic zirconia, men's earrings are becoming an important staple in a man's wardrobe today. For that guy that always needs to be dressed just right, a well chosen pair of silver men's earrings is a great final detail to set his look off the charts. Today's celebrities and sports stars all boast one (or more) pair of men's earrings, and you shouldn't let your guy fall behind. Keep all the men in your life in style with our collection of men's silver earrings.
Whether it's as a symbol of status, or fashion, a pair of men's earrings is always a great detail! Worn individually, or as a pair, a man's earring can be that little accent that is so often overlooked, but adds so much! Don't let that special man go one day longer with naked ears - buy him a pair of sterling silver men's earrings today, and you'll both be grateful! Whether he's just looking for a simple cz stud, or a nice silver hoop, our collection of men's earrings is where you'll find that perfect pair!


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Will Procter & Gamble hold up post-Lafley?
Chairman A.G. Lafley to step down in January. How will company do under new leadership?
After a couple of years of news dominated by corporate scoundrels, it's bittersweet to report on the retirement of A.G. Lafley at Procter & Gamble (PG). Having already relinquished the reigns of chief executive officer, Lafley will step aside completely by handing the Chairman role over to his replacement.
Lafley has agreed to stay on during the transition, which is fitting given his record as one of the good guys. He has had a tremendous impact on the consumer goods giant, making money for his shareholders simply by making good stuff.
Lafley is a bit of a dinosaur in terms of today's business executive. The man spent most of his career at Procter & Gamble, logging 32 years. When he took over as CEO in 2000, the company was struggling. There were profit warnings, and the stock was sinking in value. But by focusing on what consumers really needed, Lafley grew the company's billion-dollar-a-year brands from 10 to today's 22.
His biggest move was the $57 million acquisition of Gillette. That move allowed the company to move away from traditional brands like Tide and Pampers to the growing male grooming products market.
Lafley also oversaw PG's sales growth overseas. Like many companies, PG moved its popular brands to markets in China and India. The strategy worked well.
PG had been on a steady ascent since 2000 until the downturn that came with the recession and credit crisis. The stocks has already recovered most of the ground it lost.
The Lafley story is about excellence, about wealth creation for shareholders by making products with real sales. Considering all of the bad news about fraud, abuse of corporate perks and other Wall Street shenanigans, it is nice to know that there are still good guys out there running companies. And a bit sad to see one go.
How will PG do under new leadership?
I suspect the company is in good hands. Growth from overseas will more than offset any difficulties domestically. In fact, the company will benefit from a falling dollar.
Shares pay a nice dividend of nearly 3% with a valuation that is reasonable. PG is a stock you can own almost forever and rest fairly easily in doing so.
At the time of this writing, Jamie Dlugosch did not own shares of PG in personal or client portfolios.
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We have an exciting collection of performers scheduled for our (mostly) monthly Coffeehouse Concert series. More information will be published about each of the scheduled performers in future UUpdates, Community News, and this web page. Concerts will be on Saturday evenings from 7:30pm to 9:30pm. Please mark your calendars NOW so you don't miss any of the following:
Click on the perfomer's name to view details.
|Concert Date
|Performers' Web Site
|June 7, 2014
| * Butch Hancock
A donation of $12.00 per person is requested for most concerts; for those above preceded by (*), a donation of $15.00 per person is requested. Reduced admission donations are available by ordering tickets in advance on line. To encourage family participation the donation for youth (under 14) is half-price, and free for pre-schoolers and younger. You may pre-pay now at:
As usual, free childcare is available. Refreshments and snacks are also available at a nominal charge.
Please Support Community Cafe's Annual Sponsors
To visit the sponsors' websites, click on their business cards below.
Would you like to sponsor a concert series? Simply complete the agreement form and either email to firstname.lastname@example.com along with an electronic version of your desired graphics, or mail with your donation to the church.
More Coffeehouse Concerts
Are you interested in Coffeehouse Concerts, but either none of our scheduled dates work for you or you'd like more live music in a coffeehouse setting? If so, check out the schedules on our partners' web sites: