text:
Bank of America may have ditched its controversial debit-card fees for voluntary customers, but people on unemployment benefits who are forced to use the bank because it has to contract to administer their payments, there are plenty of fees in store. But hey, they can afford it -- a $264 unemployment check has lots of stretch in it, right?
To withdraw her benefits, Busby, 33, uses a Bank of America prepaid debit card on which the state deposits her funds. She could visit a Bank of America ATM free of charge. But this small community in the state's rural center, her hometown, does not have a Bank of America branch. Neither do the surrounding towns where she drops off her kids at school and attends church.
She could drive north to Columbia, the state capital, and use a Bank of America ATM there. But that entails a 50 mile drive, cutting into her gas budget. So Busby visits the ATMs in her area and begrudgingly accepts the fees, which reach as high as five dollars per transaction. She estimates that she has paid at least $350 in fees to tap her unemployment benefits.
"It really boggles my mind," she said. "This bank is taking little bits of money out of thousands of pockets, including mine."
Who needs predatory payday lenders when you've got enormous, fantastically profitable banks?
For Bank Of America, Debit Fees Extend To Unemployment Benefits (via Consumerist)
(Image: Bank of America building, Downtown Los Angeles, a Creative Commons Attribution (2.0) image from 8047705@N02's photostream) Discuss
65 Responses to "Bank of America rakes in big debit-card fees from people withdrawing unemployment benefits"
Jan Henning Berg says:
There's no such thing as a free lunch. Period.
Cory Doctorow says:
I think the execs at B of A would beg to differ: get a fat government contract to administer UI benefits; get paid by the state for the work; charge UI recipients to receive the money. Sounds like a free lunch to me.
beforewepost says:
The fees are charged only if you withdraw from a non-BoA ATM.
That means BoA has to pay a third party for the use of their ATM which means the customer ends up paying.
There are real costs involved so it's not a free lunch. Here's an example of one such cost… http://www.youtube.com/watch?v=1Bud9VVw3ao#t=01m22s
You're big on OWS, but you ignore the fact that Wall Street only held 1/4 of the mortgages that melted down. Washington held the other 3/4 via Freddie Mac and Fannie May. If you want to rail against greedy incompetents getting fat paychecks for little or no work Cory, look to Washington – it's full of them.
Daniel says:
This is a lie that has been debunked thoroughly over and over again and refuses to die.
See for example:
Nadreck says:
Can you come up with a single piece of evidence that the two FMs have any more than a very small percentage of the bad mortgages starting a decade after Wall Street started deliberately packaging their lions' share of them into phony securities? If so it will be the first one that I've ever seen.
Kent108 says:
While this is true, you're misquoting Friedman here. All Friedman meant was that for every product or service, SOMEBODY pays the cost. What's stirring up anger is that it never seems to be BofA that pays.
Nevertheless, like I said below, it's not BofA that's collecting ATM fees from Ms. Busby, it's whoever owns those ATMs that Ms. Busby is using. In this one instance, it is wrong to blame BofA.
Phil Fot says:
None of the banks need ATM fees to survive. The ATM fees are an agreed upon method to take more money to make insanely high profits. Banks conspire to limit the number and placement of ATMs. This lets them provide a reason for charging a fee. Likewise, it spurs the placement of private ATMs (more than likely funded by a bank) in delis, newstands, bars, etc.) where a bank couldn't be seen to place a machine, such as a bar or strip club.
ATMs as I recall, didn't have fees when they started appearing. The fees only started after some bright MBA thought, "Mhmmm. I wonder if there are any other ways we can squeeze another dime out of those saps?"
TheHowl says:
If I remember correctly, initially ATMs were touted for convenience… and for saving the money that the bank would otherwise spend paying tellers.
Corporations frequently institute cost-saving measures. They do not, however, frequently pass those savings on to their customers. Instead, things get cheaper for them, and they charge the customer the same amount (if not more).
Guest says:
Jan, You could easily be misunderstood and seem to be saying that people receiving unemployment insurance coverage, a system which they have paid into and have a right to collect, are somehow freeloading.
miasm says:
…but all lunch periods are free.
Hiroaki says:
I can't believe I'm about to defend BofA, but while there are many good reasons to rage against that machine (i.e., their participation in the false inflation and subsequent collapse of the housing, equity, and derivative markets), I don't think this is one of them.
I think the incredulity and rage over this should be directed at the badly run unemployment benefits program that locks recipients into using the BofA prepaid debit card system instead of allowing for alternative methods of fund distribution to accommodate the differing needs of the various benefits recipients the program is trying to help. After all, as much as I hate ATM fees, these aren't special unemployment-benefits-program-only fees BofA has deployed to further screw the disenfranchised (I mean, are we imagining they're mustache twirling silent-film villains?).
These fees existed before the state decided to force its unemployed citizens into using this system and paying these fees. If the state would just offer her, and others in her situation, an alternative funds distro option (e.g., a check in the mail), there would be no issue.
retepslluerb says:
So she's been unemployed for about 6 years?
Martijn says:
Amazing that it costs money to access your money in the US. In Netherland using ATMs is free. Even abroad (at least within the Eurozone) it's free, as far as I know.
But if it costs money to withdraw from other banks' ATMs while its free to withdraw from your own bank's ATMs, why not just transfer the money to a bank that does have an ATM in her home town? And why not have the unemployment benefits paid to a more practical bank account in the first place? Or does the bank have some sort of horrible monopoly contract with the government that only they get to screw unemployed people?
Phil Fot says:
BofA has the contract.
puufuu says:
(Disqus just ate my comment. Did I mention that Disqus seriously sucks? Way shorter version below.)
In Europe this depends on the country and the bank. In some countries _most_ (never all) banks don't charge you anything for using a competitor's ATM. In some countries this is reversed, as in you pay most of the time. (Your bank _does_ have to pay a competitor if you use their ATM. It's not free for them. You either pay upfront or your bank adjusts its account fees accordingly.)
Within the Eurozone you can't be charged more abroad than you'd be charged at home at an ATM that doesn't belong to your bank. For some people this means no fees, others pay what they'd pay in their own country.
Outside the Eurozone all bets are off however.
Addressing your second paragraph: cause a bank account would run you more than $5/month in fees?
msbpodcast says:
BoA and the other banks are rapacious, money and power hungry beast and burdens on the economy.
The problem starts at the top with imbecilic management which figures that since their banks handles X dollars per year, they must be worth more than smaler banks, making a lie out of the "economies of scale" which enabled their size in the first place.
By that kind of counting, the lowest programmer/IT staffer is worth more than the CEO, but its the CEO doing the counting and he doesn't have an engineering degree.
Kent108 says:
Bank of America isn't reaping the big ATM fees here. It's the owners of those non-Bank of America ATMs that are charging the fees. For once, BofA is not at fault.
novium says:
Not exactly true. The owner of the non-BofA ATM takes a cut, but BofA takes its cut too. You get charged by the ATM for not being a whatever customer, and then bofa charges you for not using a BofA atm.
CastanhasDoPara says:
BOA is getting their cut too. They charge the ATM owner,the ATM owner charges you, you get to hold the bag (with less of your money in it because two greedsters got to dip their grubby mitts in it before you do).
So in the typical round-about shell game BOA is still a practical target in this arena. The gov't is also to blame as they could have easily negotiated for a no-fee system in the interest of the people they are serving. The true injustice here is that the gov't (and the bank) don't give a shit about making the system sensible to the poor, worked-ove, little guy. And on top of that, all of us taxpayers see a little less bang for our buck. I damn sure would like a person on assistance to see every dime of that money that they need to get by instead of some rich jerks getting even more money that they don't really need.
TheHowl says:
Bank of America? Always terrible people (go credit union!)
However, the blame for this lies not with the banks (although they are making a tidy side-profit) but with your elected officials. They are the ones who thought it would be a brilliant cost-saving idea to use those shitty prepaid cards to disburse benefits.
I don't know if it was just whimsy ('hey, paper checks are so passe! cards are hip!') or plain greed ('man, it costs a lot to print these checks, let's let some bank handle the administrative costs… oh wait, corporations always pass costs to consumers'), either way: your elected officials at work.
CastanhasDoPara says:
It does turn out to be cheaper on the overhead to send out a single reusable / rechargeable debit card instead of a paper check every week or every other week. Once the card is mailed all other activity with the card is done electronically(unless of course they are doing something stupid like mailing a new debit card out at every pay period, now that would be dumber than owl shit).
Also there is a good chance that many people would be just as screwed over with paper checks in the situation that the recipient did not have a bank account at all since every bank I know of will charge you to cash a check if you don't have an account. And shittiest of all is that some banks won't even cash a check written by an account holder at that bank if you don't have an account too and I am sure BOA is scuzzy enough operate like that. Not to mention the infernal thumb print and info gathering hoops they make one go through. Either way it's a shitty deal.
Charlie Lesoine says:
Yes it WOULD be cheaper, except that they still send a form every two weeks in the mail which used to be attached to the check, only now where the check used to be is just a blank strip of paper to tear off. So they are actually not saving any paper and just using more plastic…
Guest says:
and BofA (and other banks) yield still more of -our- insurance monies.
CastanhasDoPara says:
Well that is something I had not imagined(not the way they do it in my neck of the woods) and that too fits into the "would be dumber than owl shit" category.
awjt says:
Schadenfreude is when you take pleasure in the misfortune of others. But to actually go so far as to profit from it? …That's just banking.
Mordicai says:
Uh-mazing. & I can't really get my head around people apologizing for this, like this is "just the way it is." No. We don't have to be complacent about injustice. You want to point the finger at government, too? Sure! Heck yeah! You are right, the creep of corporate control into government operations is downright evil. This is a great time to point out that for all the "I'm a libertarian because government is so dumb & inefficient!" that corporations are also dumb & inefficient…& predatory. That is the big difference, you know?
Thad Boyd says:
Odd. I was on unemployment earlier this year (their prepaid card was through Chase, not BofA, but same principle), and my paperwork said if I didn't like the card I could call them up and switch to direct deposit at my existing bank.
Ultimately I opted to stick with Chase because there's one in biking distance and I figured it'd be more hassle to set up DD than just to go there occasionally.
jere7my says:
…my paperwork said if I didn't like the card I could call them up and switch to direct deposit at my existing bank.
She does have the option of direct deposit: "Even now that she is cognizant of the fees, she is afraid to switch to direct deposit, fearing a resulting gap in her weekly benefits. Her family's finances are so tight, she says, that any delay puts them behind on the bills." I don't know enough about her situation or the timing involved to say whether that's a legitimate objection.
So the article is misleading, certainly. (They're not "forced to use the bank.") But I think the point is that having these fees in place on unemployment benefits guarantees that there will be a lot of people who don't know how to switch, or don't know it's an option, or are afraid it's another scam, and will end up paying fees they don't understand and can't afford. Basic compassion tells us that those of us who are most in need should not have to negotiate their way out of a fee structure or read the fine print to get the aid we're trying to give them.
occlupanid says:
Thank you jere7my. I was about to post a 3-paragraph explanation of why Just Because I Figured Out Direct Deposit Doesn't Mean It Is Easy For Everybody And How That Ticks Me Off, but you said it more succinctly and kindly.
ajt49 says:
So, I am not going to comment on the banks possible predatory behaviour, as I think others would do a better job, but…
The dateline of that article says Cordova, S.C.. Putting that into BoA's branch locator pulls up a BoA ATM just under 5 miles away (seems to actually be in a Bi-Lo supermarket). The nearest branch is supposed to be in SW Orangeburg (though I can't see it on streetview), but there is definitely a branch at the Orangeburg mall 6.26 miles away. These aren't exactly walking distance, but I don't see why the lady in question has to go to Columbia. Maybe the dateline location is wrong.
Christopher Locke says:
Just to double-check (not because I thought you were wrong, but because I thought maybe the dateline on the article was where the reporter works from, vs where the story takes place…) I looked up Columbia and Cordova. If Cordova was 50 miles south of Columbia, then we must be in the right place, because the article says she could drive 50 miles north to Columbia.
So gooooogle maps (driving directions) from one to the other say 49.7 miles, and I think we must be in the right area. Even if this woman lives 3 miles outside of Cordova, she still has other options besides 50 miles each way, assuming the Bi-Lo or Orangeburg mall are open.
Nicely done.
marc anthony says:
You can change the default ATM deposit to direct deposit at your local bank by simply changing an account preference on your State's unemployment commission's website.
Guest says:
citation for california, marc
MB44 says:
holy shit. just change banks. or get an account at your local bank and change the unemployment to transfer into that account.
Guest says:
If you think it works that way, no wonder you'd be annoyed.
I would also be that annoyed if I were only paying as much attention as you are.
MB44 says:
I don't think it works that way. I know it works that way. There is undoubtedly a credit union in this town that does not charge ATM fees. If, by the snowball's chance, there isn't, then why not switch to one of the major large banks that does not charge ATM fees. I don't really care to get into this too much but I am very curious about the complicated nuances about this that you claim I don't understand.
Guest says:
just STFU, RTFA and get back to us.
MB44 says:
Actually you are right. I was wrong. You won't see someone on an internet message board admit that every day. Now if only I could go back and delete the comments that make me look stupid. Now I finally have a reason to get to work on that time machine that I have been procrastinating.
Automocar says:
1) Bank of America charges the account holder for withdrawing money from a non BoA ATM.
2) This is not a bank account that she can close and transfer–this is a prepaid debit card that her state unemployment deposits into. She cannot close the account or transfer the funds, because the account isn't really hers.
Bevatron Repairman says:
ATMs don't cost anything when you do a point-of-purchase transaction (and certainly not $3/throw). Yes, it's nice to have a few bucks in your pocket, but most of her costs sound like they come from her actually drawing out cash — which is largely unnecessary.
Phil Fot says:
You be surprised the number of places that still don't accept debit or credit cards. Doctors, dentists, school lunches, bus rides, corner stores. Everyplace isn't as wired as you'd think. There are many places where there are no 7-11s or Circle-Ks. There is always a need for a few bucks.
CastanhasDoPara says:
Unnecessary for many, maybe. But cash is still pretty useful to just about everybody. I wouldn't necessarily cast down the use of cash so easily.
FWIW, cash is also mostly untraceable and much easier to utilize, for example how many baby-sitters do you know that carry around a debit machine?
manicbassman says:
UK Basic Bank Account… in the UK, every person has to have their wages paid into a bank account and to facilitate this for those who have no credit rating, there is the Basic Bank Account where you get a cash card to use at ATMs and you can make payments for regular bills like utilities with direct debits. What you do NOT have though is any credit facility or means to set up standing orders. You also can't use it in shops like a debit card. I have one as my credit rating was shot after I had to do a runner from the bank etc. after my ex left me holding massive bills and the two kids to look after (I got custody). Basically the Citizen's Advice Bureau told me to set up a basic account with another bank and to get my employers to start paying my wages into that one instead and then told my original bank to get lost and come for what I owed via the CAB and reach an agreement. That was six years ago and I've finally finished paying everything off.
What's annoying about the basic bank account cash point card now is that the big banks now want to start charging fees for my usage of it at ATMs… up till now is was mandated by law that it was feeless. They don't like free banking anymore in the UK… they think only the rich should be able to have it…
JeffF says:
One can also usually get some cash out of a debit card at a supermarket without fees. Unless these cards have some special fees beyond the normal.
The state might need to do some more training about how to avoid banking fees. That would probably be a good thing anyway.
Oh, and South Carolina ought to negotiate the same deal as California and New Jersey… and not keep their contracts secret. Secret outsourcing contracts create a perception of corruption.
Jeff Bazan says:
It's not BofA that is charging that ATM fee, it is whatever bank or networks she's going to that is charging her the ATM fee. BofA does not revenue share on outside ATM's. Basically other banks are screwing her.
Daniel says:
It's not BofA that is charging that ATM fee, it is whatever bank or networks she's going to that is charging her the ATM fee. BofA does not revenue share on outside ATM's. Basically other banks are screwing her.
Dude, already discussed several times on this thread. BoA ALSO CHARGES FEES for using non-BoA ATMs. In fact, pretty much all banks do this. You get charged a fee by the ATM vendor and charged another fee by your bank for going out-of-network. It is a double whammy.
Someone else said, "just use point-of-sale debit"…yeah, article is about someone in a rural area. My guess is she buys most of what she needs at stores without the equipment needed for that.
Also, for the "it's all the government's fault"…yeah, the government is certainly culpable but why does BoA get completely off the hook? They could do fee-free debit cards for unemployment or they could have failed to lobby for an exclusive contract in the first place, both of which would have been more ethical than this. It's completely fair to criticize BoA for taking advantage of people collecting unemployment insurance even if they're doing so by exploiting someone else's boo-boo.
angusm says:
The ATM fee is a "convenience charge" … which is to say "It's convenient for us to take some more of your money, so we will."
Ari B. says:
Oddly, one of the BofA accounts I have is an "E-checking" account, where you are strongly encouraged to use the ATM for as many transactions as possible, and actually pay a penalty if you go to a teller for a transaction that could have been done at an ATM.* These days, I only see a teller if I need to get quarters or access my safe deposit box.
*The teller can (and has, for me) waive the fee if there's some sort of exception, like a broken ATM.
Toffer99 says:
The people who run banks would step on a dying man's face if it earned them money.
commentor says:
Its not just having your money in that debit card, its that by using it you accept an agreement where banks will own you.
I think in the long run the banks are angling to have all payments go through their cards, particularly paychecks and benefits, so they will get a cut of everything and there will be no alternative. Not to mention the Leonine Contract your forced into by using one.
There was the United States Coinage Act of 1965 that defined United States coins and currency as legal tender for all debts, public charges, taxes, and dues. I would like to know how that is bypassed.
For employers, they just fire you if you don't agree to everything. But how are benefits sidestepped? Do you waive your rights when applying, law change, or simply your not rich enought to fight?
Eddie Perkins says:
I'm currently unemployed in California and I can't tell you all how disgusted I was when the checks stopped coming and a BofA card showed up in my mailbox.
Tim in SF says:
Cory - your article needs an update.
When the card arrives in the mail, along with it is a very short instruction booklet. In UNDER ONE MINUTE you can log onto your new new B of A unemployment account and select the option which immediately transfers any EED deposit into your real account at whatever bank or credit union you have.
It's not as good as direct deposit into your own account, but it's still better than paper checks.
Seriously, as problems go, this one is unbelievably simple to fix.
Daen de Leon says:
… unless you don't have a bank account (although it appears that the Busbys have a joint account, according to the article). I know that trick myself, having been off work for two months.
bcsizemo says:
Sweet holy hell. Are there rules in place that don't allow direct deposit in other states? Here in NC I'm unemployed and have direct deposit to BB&T and have no fees what so ever for it. At one time my wife was unemployed and received the BoA card. She looked at the fees, switched it over to direct deposit to her own BoA account, and then emptied out the card once the switch over went through.
No wonder people ended up in mortgage hell. If you can't follow a few basic rules when having a bank card maybe we should go back to straight cash and checks.
Considering my wife now works at a bank and tells me about the number of people that come in with overdraft after overdraft this doesn't surprise me at all.
Nadreck says:
Paper welfare cheques are a real curse. I lived in a poor neighbourhood where cheque day was truly dreaded. They were routinely stolen and kited. The thieves then took them to the No Questions cheque cashing service and got thoroughly coked-up. One apartment building had a shopping cart rammed through the lobby windows 1 minute after the postman finished delivery, so that the mailboxes could be sledge-hammered open, every single month for over a year. Apparently we can't have direct deposit here in Canada due to some incoherent non-reasoning revolving around welfare queens withdrawing money from ATMs during their cruise-liner vacations.
I note that WalMart, the working man's true friend, charges a small fraction of what everyone else charges to cash cheques. Guess why the existing banksters threw a fit when WalMart tried to get a full banking license? They do this because of the enlightened self-interest they have in having bargain shoppers who've just cashed their cheques inside their stores.
Antinous / Moderator says:
Paper welfare cheques are a real curse. I lived in a poor neighbourhood where cheque day was truly dreaded. They were routinely stolen and kited. The thieves then took them to the No Questions cheque cashing service and got thoroughly coked-up.
Not that I doubt your scenario at all, but unless you're living in Mogadishu, why would kited-check-cashing businesses be allowed to stay in business? That would seem like a slam dunk for law enforcement.
AirPillo says:
It's still better than student loans. They are at least still maintaining the pretense that her income is hers to take away from her, instead of flatly admitting that she's just a perennial crop planted and owned by the bank.
Justin O says:
As other people have said, there are a lot of reasons to Dislike Bank of America, but this isn't one. You say BofA is "raking in profits", but in all honesty they charge a flat 2.00 fee when a customer uses an ATM that isn't owned by BofA. Not 5.00. The five dollars is charged by the LOCAL bank for her using a BofA card.
So a few other things to think about. BofA has a large presence in SC from what I remember, so the state probably chose them because they had the most ATMs. Obviously, not every bank is represented in every area so they had to choose what was best for most people in the jurisdiction.
As other people have pointed out, she could transfer the money into a bank that's more convenient. More importantly why is she using the ATM that much? If it's really costing that much she should immediately take all of the money out and just use cash. Neither article mentions the length of her unemployment, so it's hard to say what period those 350 dollars in fees were accrued over. But, using it twice a month at five dollars a pop that would put her at 35 months.
I might get accused of blaming the victim (this is BoingBoing afterall), but I'm pretty sure she could save a considerable amount if she merely thought about this situation a bit.
jere7my says:
I might get accused of blaming the victim (this is BoingBoing afterall), but I'm pretty sure she could save a considerable amount if she merely thought about this situation a bit.
She could indeed. But I think the story here is that the SC government, to save money on their unemployment system, has switched to what is effectively an opt-out fee structure. Those of us who are blessed with education, internet research skills, critical thinking skills, &c. are usually quick to see that it's to our advantage to opt out, but not everyone has those privileges. Not to say that nobody who's unemployed in SC knows how to use the internet, but the reason opt-out fees are so pernicious is because there are always going to be people who get caught by them, and those are often exactly the people who most need help.
baronkarza says:
Actually, you can use something called "the Internet" to have the payments automatically transferred to your own non-BofA bank account automatically, free of charge, and use your own ATM card for whatever without ever using the BofA benefits card.
This whole article is very much a tempest in a teapot.
psycho_chick says:
Um, she could avoid all of this b.s. by withdrawing all of the deposit at once. Then there is one fee and she can get get on with her life.
theinternetiswrong says:
i recommend a book called 'portfolios of the poor' – in it they explain how very poor people (say those living on $2 a day) will actually pay negative interest on their savings, as a way of ensuring that money doesn't get spent.
so withdrawing all of the deposit at once, while it may seem logical to those with more money, to a poor person it may be perfectly rational to not withdraw it all to avoid the temptation to spend it all.
Greg Stanski says:
Whatever we may think about it, when it's all said and done, the banks will have found ways to make up for lost interchange revenues, which are at the bottom of the current debit card fee turmoil. The only relevant question seems to me to be how they will do it.
Right now it looks like the top contenders to make inroads into debit territory are prepaid and credit cards. We are already seeing how they may be used to lure consumers away from debit cards.
American Express, for example, recently launched a prepaid card that is practically fee-free, which is unheard of for a product that usually comes loaded with fees for activation, purchases, balance inquiries and monthly maintenance, among others.
Credit cards, on the other hand, are now being marketed more aggressively than at any time since before the financial crisis began and issuers will no doubt try to make them a more attractive payment option than debit. http://blog.unibulmerchantservices.com/banks-push-prepaid-credit-cards-to-make-up-for-lost-debit-revenue
cmg says:
I've actually come up with an idea that I've shared with some of my friends. I think everyone should buy enough stock in the banks so they are allowed to attend a stock holder meeting. Then, if we can pool enough and get the majority, vote to break the banks up. It could be called, "Buy the Banks that bought the World!
Brian G. says:
The state of Ohio offers direct deposit of unemployment compensation. If she has an account at any financial institution she can just have the money deposited there avoiding anything to do with the BofA debit card. She chose to use the debit card for her compensation.
EDIT: Just realizing it was Columbia and not Columbus. But SC also offers direct deposit.


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The length of each program is about 23 months depending on which day of the week the classes meet. For instance, classes held on Monday nights may take longer because of the Monday holidays.
The tuition for the Degree Completion Programs for the 2009-2010 fiscal year is $365 per credit unit for a total of $22,265 for the major courses in the BSM program and $21,900 for the major courses in the ECE program. This rate is about half of the on-campus tuition rates, so adult learners are getting a significant discount on a high quality degree. Textbooks are included in this price.
Financial aid may be in the form of scholarships, grants, or loans. Since the tuition for the non-traditional programs is already deeply discounted, PUC offers very few internal scholarships for these programs. Other sources of scholarships may be available. State and federal grant monies may be available to qualified students. Students may qualify for a Cal Grant (if their college GPA is 3.0 or higher and their total annual household income is below $65,000) and/or a PELL Grant (if their total annual household income is below $20,000). It is important to follow the application and funding cycles for this type of financial aid. Applications are usually made in January and February for financial aid that will begin in the fall of the same year. Loans can be secured at any time of the year for very reasonable rates with deferred payment until after you have completed your education. The Pacific Union College 6-digit federal school code is 001258. For financial aid applications, information and assistance, contact Pacific Union College Student Finance Office 707-965-7200 or visit http://www.puc.edu/campus-services/student-finance/home.
Most student loans allow for deferred payment until up to six months after you have completed your program and are no longer a full time student. If you plan well, you can wait until you have graduated with your degree and have started in your new high paying job to start making your student loan payments. If you decide to go on to graduate school on a full time basis, your loans may be deferred until you finish with your graduate program.
Pacific Union College operates on a quarter system. A minimum of 192 quarter units is required for graduation with a bachelor's degree. Our Degree Completion Programs provide 60-61 quarter units of upper division credit toward the total needed for graduation. To convert semester units into quarter units, multiply the number of semester units by 1.5.
We have scheduled the classroom part of your education in the evenings from 6:00-10:00p.m. one evening per week so that it will have the least possible disruption to your work and family commitments. Returning to school will make your life busier, so you will need to schedule your time carefully. You will need to make time for reading, studying, and writing papers outside of class time. Some adult students have found that their involvement in our program has helped the whole family with scheduling time for homework and study. Starting with a strong commitment to your education objective will help see you through to the end. We have had students who have experienced everything from birth to death of close family members while in our program, and who have continued with their classes with the help of their cohort members and instructors. Others before you have done it. You can do it too.
Non-traditional students are admitted throughout the year. Since the cohorts begin in the fall, it is best to apply as soon as possible. From the time you first submit an application and request official transcripts sent to PUC, it can be several weeks before your transcripts arrive. Once you are accepted to PUC, you can join the next available cohort. If you can supply us unofficial transcript copies while your official transcripts are on the way, we can speed up the process. The best thing is to apply as soon as you decide to join the program.
Copyright © 1996-2014 Pacific Union College | All Rights Reserved.

subset: commoncrawl


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Looking for Spiral Stairs? www.hotfrog.com.au showcases more than 54 businesses grouped by Spiral Stairs within Australia. To find more businesses related to Spiral Stairs, Stairs or Staircases, and to filter by locality, use the left navigation menu.
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Arundel, QLD
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Glasshape Ltd is a highly successful that focuses on manufacturing specialist glass products for the Architectural, Transport, High Security and Super Yacht Industries
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With so many parties and gatherings happening this time of year, coming up with fun yet simple holiday hairstyles is tough! You get stuck in a rut and end up with the same blown out look or simple bun over and over (and over…). Check out these six fabulous holiday hair ideas to give your locks an original and festive twist this season!
6 Styles for Perfect Holiday Hair
- Double headband hairstyle
- Side braid with a low bun
- Messy side bun
- Boho braids with a low ponytail
- Retro half updo
- French braid bun
Wouldn't all these simple holiday hairstyles look amazing with a LBD or even a chic sweater for the casual office party?


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Emerita - Feminine Personal Moisturizer with Calendula - 4 oz. (118 mL)
Emerita Feminine Personal Moisturizer is specially formulated by women for women to provide comfort and help restore delicate vaginal balance during perimenopause and menopause.
Emerita Feminine Personal Moisturizer contains Vitamin E, Aloe Vera Gel, Chamomile and Calendula which heal vaginal tissues that can be disrupted by vaginal dryness. They have superior soothing and moisturizing properties, giving your tender parts the tender loving care they deserve. And Emerita Feminine Personal Moisturizer's all-natural ingredients are in a water-based solution that's completely washable, unscented, flavorless and non-staining. Emerita Feminine Personal Moisturizer is also paraben-free.
Feminine Hygiene products are not all created equal.The vagina is a delicate place. It's like a little ecosystem with its own balance of good bacteria. And it's one of the most chemically absorbent places in the body. Which is why they make sure to use the highest-quality ingredients available in their products.
About EmeritaEmerita (e-MER-ita) is a woman-owned company that's been in the business of serving women since the 1970s.
They began as a family business, which youngest daughter Sharon MacFarland took over in 1983 at the age of 23. Since then Sharon built the company into Emerita: A leading national brand of natural wellness products for women.
In the early days, we marketed natural menopause products through the Transitions For Health catalog and through physicians' offices. The catalog even appeared in an episode of Sex & the City.
Then in the 1990s, their flagship progesterone cream, Pro-Gest, was introduced at natural food stores, launching a whole category of natural wellness products for mature women. Since then, Emerita has expanded its offerings to include sexual vitality, feminine care, health supplements and skin care products, as well. Emerita products are now sold in natural food stores across the country, including Whole Foods Markets. They're also available through numerous online retailers and health care providers.
They have long been a socially-responsible company that respects and empowers its employees, while operating in an open and collaborative fashion. Emerita also has a long history as an advocate for women, valuing education about women's health issues.
Emerita is headquartered in Portland, Oregon, one of America's most beautiful cities and a wonderful place to live — naturally.
Emerita's PhilosophyAt Emerita, they understand that their business affects the environment and recognize that it is their responsibility to care for the health and balance of the planet, just as they have been caring for the health and balance of women for the past 30 years. Their aim is to improve what they do today to benefit their planet today and the women of tomorrow.
Apply to vaginal area as needed for support of vaginal dryness. Personal Moisturizer is water-based, unscented, flavorless and non-staining.
Aloe Vera, Calendula, Vitamin E and Ginseng create a superior moisturizer that helps maintain balance and comfort.
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July 22, 2014
OH GOOD THIS AGAIN 2:32 pm December 17, 2012
Former Pizza Kingpin Does Not Want To Pay For Your Whore Pills
Tom Monaghan, founder of Domino's Pizza, terrible baseball team owner, and a guy so Catholic that probably even the Pope thinks he needs to give it a rest, is very upset that this Obamacare thing will allow his employees to make their own health care decisions without his input. So, he's suing. After all, Tom […]


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Why Centrist Dem Senators Don't Like The Heat
by Josh Orton, Wed Jul 08, 2009 at 08:17:21 AM EDT
This is how we know the pressure from leadership isn't just talk:
Senate Democratic leaders have stepped up the pressure on their rank and file to unify on procedural votes after finally gaining a filibuster-proof majority, but centrists who have long been headaches for the leadership are so far refusing to commit to the strategy.
"Most Senators vote their conscience and they do what they think is right. They didn't come here to be told what to do by somebody else," moderate Sen. Evan Bayh (Ind.) said.
Reid's got a delicate two-step: allow "moderates" like Bayh to feather their "independent" image by casting a few (harmless) symbolic votes against policy - but then compel party unity on lynchpin procedural votes.
Some moderates know it's a good deal, and have no intention of stabbing Obama's agenda in the back. But others show no such humility - their "centrist" self-image comes first. It's the difference between a moderate who only wants to quietly cast a couple dissenting votes to calibrate their image at home - versus a blowhard like Lieberman who actually goes on national television to badmouth his own party.
Update [2009-7-8 12:27:13 by Josh Orton]: David Waldman suggests that, unlike in the House, the distinction between procedure and process is blurred in the Senate - and so Senators think they have to vote against both procedure AND policy to prove independence, since so many equate a filibuster with blocking legislation.
It's a decent point, but I wouldn't underestimate simple vanity either.
Tags: Evan Bayh, Harry Reid (all tags)


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August 1, 2014
HUNTINGTON, W.Va. (WSAZ) -- A new policy put into place by the owners of Facebook has some users riled up, and now they're trying to make amends.
A couple of weeks ago the site changed its policy, allowing Facebook to own your content-- even if you leave the site.
Now Facebook Chief Policy Officer Chris Kelly says they have returned to their old user agreement.
"Because of the lack of clarity and confusion, we wanted to be very, very clear with users on how important their trust is with us and roll back to the old terms of service," Kelly said.
The key change is a line that says when you delete your content, Facebook no longer has the right to use it.
Facebook made the change late Tuesday and now says it wants to make it very clear, you own your information.
"We want to make it as clear as facebook, we're going to cease sharing that information," Kelly said.
Privacy groups say they will now push for stronger internet privacy laws to protect users' information - to keep this issue from coming up again with other websites.


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By Doug Ireland
---- — SALEM — Colleen Parisi wants to drive the heavy equipment. Michelle Ortiz can't wait to operate a jackhammer.
And they will.
These aren't experienced construction workers. They are Salem High School sophomores exploring potential careers.
Anyone who thinks a teenage girl can't drive a backhoe or use a jackhammer better think again.
Twenty girls from the school will don hard hats and participate in the New Hampshire Construction Career Days program being held today and tomorrow at the Hopkinton State Fairgrounds in Hopkinton.
They will be joined by 54 classmates — all boys — who participate in the building trades program at Salem High's Center for Career and Technical Education.
More than 1,100 students from 39 New Hampshire high schools will participate, including Pinkerton Academy, Londonderry High School and Sanborn Regional High School. There will be hands-on exhibits and demonstrations provided by more than 50 experts in the construction industry.
The event's purpose is to give students a chance to consider careers in construction and related fields, including architecture and engineering, according to state Construction Career Days Chairman Catherine Schoenenberger. It's organized in conjunction with the New Hampshire Departments of Education and Transportation.
"We really want the kids to be exposed to careers," she said. "We have a talented, but shrinking, skilled workforce."
A main focus is attracting more young women to the construction industry, increasing the career opportunities available to them, Schoenenberger said.
"We need more diversity in the workforce, especially in New Hampshire," Shoenenberger said.
Schoenenberger owns her company, Bay State Traffic Products, and is a member of the National Association of Women in Construction.
While the association says the number of construction businesses owned by women is growing, females make up only 9.6 percent of that workforce.
Schoenenberger and Terry Berube, CTE student services coordinator at Salem High, hope to change that.
When no girls signed up for Salem's building trades program, Berube recruited Construction Career Days candidates from science classes at the school. Usually, there are at least three or four girls in the program out of nearly 100 students, vocational teacher Bill Duchano said.
It's not known why none registered this year, Duchano said. Having both boys and girls typically leads to a healthy competition between the sexes.
"The girls fit in just fine," he said. "The guys don't want the girls to show them up and the girls don't want to be beaten out by the guys."
Pinkerton is sending 22 girls out of 99 students to the event, CTE assistant director Tracy Untiet said. Sanborn is sending three girls and 15 boys, principal Brian Stack said.
Although the 20 young women from Salem may not necessarily become construction foremen, some signed up for the Construction Career Days because they are interested in engineering or wetlands and soil science.
The sophomores are all that point in their lives where they are deciding on potential careers and examining their options. Plus, the two-day event sounded fun, they said.
"I always think it's a good idea to explore doing different things," said Michelle Ortiz, 14. "I'm just looking forward to using the equipment."
Ortiz, who is particularly interested in learning about soil science, is excited about using a jackhammer for the first time.
"It just seemed like something I never would do," she said. "It seemed interesting to at least try it."
Parisi, 15, said she wanted to try the heavy equipment. She hopes the event will help her narrow possible career choices.
"I decided I wanted to expand my options," Parisi said. "I'm not sure what I want to do yet."
Katerina Anamisis, 15, is in the same situation. She wants to attend the event to learn about marine construction, such as building bridges.
"I definitely wanted to try it this year," she said.


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10 Standout NFL Preseason Players of 2012
These football rookies (and other 2nd and 3rd stringers) showed serious potential during the preseason. Keep your eye on them: It probably won't be long before they're making their way into the starting lineup.
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- 10 Celebrity Diet StaplesWhat America's favorite men eat to stay fit.
- CrossFit BeautiesThe best-looking women at the 2014 CrossFit Games.
- Before You BoozeSix foods to help you head off a hangover.
- Escape the Lecture HallSeven best college classes for the fit student.


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Oakland Raiders
Willie Smith - #79 - T
|6' 5"/ 310 lbs.
|Smithfield, NC
|East Carolina
|Years played
AFC West Spin cycle: Week Two
The Chiefs and Raiders are off to woeful starts, and the Chargers are 2-0 for the first time since 2006.
Bush leads Dolphins to first win in Philbin era
Reggie Bush ran for 172 yards and two touchdowns Sunday, and the Dolphins won a home opener for the first time since 2005 by beating the Raiders 35-13.
Raiders make roster moves before Dolphins game
The Raiders have placed WR Jacoby Ford on season-ending injured reserve and CB Ron Bartell on the reserved/injured list.
Key matchup: Raiders RB Darren McFadden vs. Dolphins front seven
In Friday's key matchup, respective team strengths will be facing off in a big game for two struggling teams, the Raiders and Dolphins.
Raiders WR Ford to undergo surgery on foot
Raiders WR Jacoby Ford will undergo surgery on his left foot and is expected to be out for "a significant amount of time," head coach Dennis Allen said.
AFC West Spin cycle: Week One
Philip Rivers and the Chargers get off on the right foot with a win over the Raiders. We take a spin around the AFC West after Week One.
Raiders sign FB Reece to extension
The Raiders announced a contract extension with FB Marcel Reece on Tuesday.
McClain sets out to prove Raiders can rely on him
The Raiders expect MLB Rolando McClain to be more of a leader and a more effective defender in his third season.
Report: Steelers to sign CB Van Dyke
Former Raiders CB DeMarcus Van Dyke will sign with the Steelers, according to Pro Football Talk.
Raiders sign WR Hagan
The Raiders announced Thursday that they have signed veteran free-agent WR Derek Hagan.
Raiders cut CB Van Dyke, sign Hanson
The Raiders have completely restarted at cornerback.
Raiders claim three off waivers
The Raiders have claimed DB Phillip Adams, LB Keenan Clayton and OT Willie Smith off waivers.
WR Parrish agrees to terms with Raiders
Hours after being released by the Chargers, WR Roscoe Parrish agreed to terms with the Raiders, Pro Football Talk first reported.
Raiders reduce roster to 75
The Raiders have reduced the team's active roster to the maximum of 75 players in advance of the NFL's Monday deadline.
Raiders show concern for C Wisniewski
Raiders head coach Dennis Allen said C Stefen Wisniewski needs more reps and falls further behind with each day of practice he misses.
The Washington Redskins made a lineup change for Sunday's game against the New York Giants, starting Willie Smith at left tackle for Sean Locklear.||||||| Smith, who had been splitting snaps in practice this week, will go against Giants right end Jason Pierre-Paul, the NFC defensive player of the week.


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The Science Matters Lecture Series was created in 2010 to provide a forum to highlight the scientific achievements of prominent researchers that recently joined Thomas Jefferson University. The Series is jointly sponsored by
Thomas Jefferson University Chapter of Sigma Xi, Department of Pathology, Anatomy and Cell Biology, Jefferson Medical College, and Jefferson College of Graduate Studies.
The Science Matters Lecturer is selected each year by the Officers of the Thomas Jefferson University Chapter of Sigma Xi. The lectures are in the realm of biomedical sciences and are oriented especially towards inter-disciplinary research.
The 2012 Science Matters Lecture was delivered by Lucia Languino, Ph.D., Professor of Cancer Biology, Thomas Jefferson University, Philadelphia PA.
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The first 30 minutes of Friday night's game was like Sherman's March to the Sea, as Argenta blew up the Shelbyville Rams defense for 41 points.
The Rams would score twice in the running clock 4th quarter against the fumbling, bumbling AO understudies, but would still start the 2013 season 0-3, losing 41-14.
The story in last week's loss was allowing big plays. Rather than putting a finger in that dike against Argenta, the dam burst. Shelby started the game with a 3 and out. Argenta started with a 3-play TD drive. Cameron Hupp ran for 45 yards on the 1st play. After an incomplete pass, Hupp walked into the end zone untouched, 7-0 after just over two minutes of play.
Shelby got the ball and drove to midfield with one first down, but Fox had to punt again. He put the ball down at the Argenta 1 yard line. A quarterback senak gave the Bombers some operating room and, on the second play, Hupp ran 95 yards for another big play score, 14-0 halfway through the 1st quarter.
Shelby got the ball back again, crossed into Argenta territory, but them coughed up the ball. AO had a more modest 9 play TD drive, but it was called back for a holding call. The penalty and an AO fumble turned the ball over to Shelby on downs at their own 11. After one 1st down, the Rams had to punt.
Fox put the ball 46 yards away at the AO 28 yard line. On the first play, AO's Ferrill went 72 yards for another big play TD, 21-0 just over 3:00 in the 2nd quarter.
On the next Ram possession the Rams had their most exciting play of the game. Wyatt Fox threw a pass to Devin Peterson for 37 yards to get inside the red zone. Shelby got to the 14 yard line with a pass to Tyler Hendryx, but the drive stalled and AO took over on downs.


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The North Face Women's Pantoll Short-Sleeve Tee
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60% Modal, 40% Coolmax polyester fabric blend
Luxurious softness and moisture-wicking
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Product DescriptionThe luxurious softness of Modal and the moisture-wicking power of Coolmax combine to create this impressively comfortable tee, perfect for active pursuits. The lightweight Pantoll Tee offers built-in UPF 15 sun protection, underarm gussets for improved mobility, and double-layer fabric at the shoulders for increased comfort when wearing a backpack. Built with a 60% Modal, 40% Coolmax polyester fabric blend. Imported.


text: I grew up in central Pennsylvania, steeped in the myth of Penn State football. I was 4 when I learned the alma mater. By the time I was 10, I knew every player's number and name. Every Saturday that there was a home game, we'd drive an hour from our tiny town "over the mountain," as my father called it, and sit high in the stands, in rain, snow or autumn sunshine. We'd do this cheer: "We are! Penn State!" The stadium would thunder. My parents had not even gone to college, but they'd yell it until their throats ached. Often, my mother would bring along her rosary beads.


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I have appreciated the thoughtful and lively discussion on this series. It is clear that we need new drugs to combat multi-drug resistant Gram-negative bacteria, but it's also clear that there is much we can do right now, today, to fight them — using antibiotics wisely and adhering to infection control procedures. However, with all of our discussions about the science, I think it's important that we close this series by taking a moment to reflect on exactly why this issue is so urgent and important.
Please see the personal story below from Victoria and Armando Nahum, who after losing their son to a Gram-negative infection, are spearheading important work toward eliminating these infections. Their story reminds us that our work is far from done.
– Arjun Srinivasan
The Story of Josh Nahum
Victoria and Armando Nahum
Safe Care Campaign
Atlanta, Georgia
Antimicrobial resistance is one of the scariest prospects patients and families now face while receiving care in a hospital or other healthcare facility. We know this all too well. We lost our son Josh to a Gram-negative infection in 2006.
Certainly organisms such as MRSA and C. difficile remain complex problems. However, Gram-negative infections loom heavy as one of the greatest challenges of our time because this type of bacteria can beat most or all antibiotics.
Once a loved one acquires a Gram-negative infection, chances are that the outlook for recovery is dire. Josh's infection struck him while he was recuperating from an accident and on a hopeful path to a good recovery. Just as he was progressing, his infection was discovered within his cerebral spinal fluid. From there, it continued to develop rapidly, causing unbelievable pressure around his brain – so much pressure that it actually pushed part of his brain into his spinal column making him a permanent ventilator-dependent quadriplegic.
Josh died 2 weeks later. He was 27.
Our hope for the future is 3-fold:
- That patients and their families educate themselves on how to safely receive medical care prior to a hospital admission whenever possible.
- That compulsive hand hygiene and infection control compliance is practiced by everyone who comes into contact with the patient.
- That drug companies will invest in research to fight these virulent bacteria that some call "The Rising Plague".


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Greg Huang, editor of Xconomy Seattle (xconomy.com) had a great idea. He decided to ask six Seattle area start-up CEOs to describe their corporate culture in one word. Of course, he went on to write about the results of this experiment in Xconomy on 8/21/09. He aptly titled the article Six Startup CEOs on Their Company Culture, Boiled Down to One Word. I happened to read the article at the time and found it slightly interesting that none of the six CEOs used the same word to describe their cultures.
Since then, both Robert Buderi of Xconomy Boston and Bruce Bigelow of Xconomy San Diego have picked up the ball and conducted similar experiments in their cities. Again in each case, the CEOs were of startup organizations and again, none of the words used to describe their culture was a duplicate of any other. In fact, of the 18 companies/CEOs interviewed, the same one word description was never duplicated.
I believe that these studies, although certainly scientific or conclusive, point out something very important about corporate culture. I am a firm believer that every corporate culture is unique and different, as unique as the individuals that lead them and work in them. Yet, even I am shocked that out of 18 start ups there was not even one duplicate in the group. One would assume that these organizations have alot in common -being start-ups they are trying to grow rapidly, many are likely to be raising money to fund growth, and certainly all are working hard to get the most out of their probably scant resources. Yet when asked to describe their cultures, they were all unique. Descriptions ranged from "paranoid" to "focused" to "cool" and even "humble".
In our practice here at KeyStone we have found that cultures, just like individuals, are extremely multi-dimensional. Trying to group them into smaller categories is difficult and I believe it can actually can be dangerous. For example trying to categorize all the companies in the Xconomy articles under the label "start-up culture" (a term I've heard numerous times) would be a big mistake.
Others terms I hear frequently are "Public Company Culture", "ESOP Culture" and "Family Company Culture". Although these types of companies may have some things in common regarding their cultures, lumping them together and making decisions (strategy, hiring, training, process) based upon them would be a crucial mistake.
Great articles – I hope Xconomy keeps these coming in their other cities, I would love to see the results!
Mike Frommelt


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By DOUG EADS, CJ Correspondent
Commonwealth Journal
London —
It's an old cliché but it's so true — "Don't count your 'chickens' until they hatch".
That phrase was never more apparent than on Thursday night at North Laurel High School, as the Jaguars welcomed in the Pulaski County Maroons on the opening night of London's annual Chicken Festival.
With just over eight minutes left in the third quarter of play, the homestanding Jags led Pulaski County 21-0 in a pivotal district contest for both clubs, leaving the Maroons for dead.
At that juncture, somebody forgot to tell Johnny Hines' young club they were supposed to lose this football game in a hostile environment on the road.
The Maroons got fourth quarter touchdown runs from quarterback Riley Hall and Tyler Goins, and a fumble return on a kickoff for yet another score by Trent Fiene, enabling the Maroons to roar all the way back from the dead to post a heart-pounding and thrilling, 28-21 victory over the Jags.
"Tonight is a prime example of what I love about our team," pointed out Hines after the game. "They just keep battling back, and they're never going to give up."
"They've got all of the intangibles that as a coach you love to see from your kids," added a very jubilant PC head coach. "They're just never going to quit — even when we got down 21-0 they just kept hanging in there and there was no panic. They knew they weren't playing well, and that if we started executing, we could come back and win this thing, and we did just that. I'm very proud of them."
As far as starts to a football game goes, the Maroons could have hardly had any worse start than the one they got off to on Thursday night.
On the first play from scrimmage, North Laurel's Michael Nelson threw a 65-yard bomb to Cole Lewis for a touchdown, and with only nine seconds gone by in the contest, Hines and crew found themselves down by a 7-0 margin.
After that initial punch in the mouth by the Jags, the Maroons tried to respond.
Quarterback Riley Hall methodically led PC down the field, and after a 27-yard pass to Alec Wooldridge, the Maroons had the ball first and goal from the North Laurel one-yard line.
However, PC inserted its 'heavy package' into the game, and on back to back snaps, quarterback Aaron Smith fumbled twice, recovering both miscues.
A five-yard penalty on the Maroons eventually set up a fourth and goal from the Jags' 4-yard line.
Hall threw an incomplete pass on fourth and goal, meaning the Maroons had wasted a golden opportunity to knot things up at 7-7.
Compounding matters for Hines' club, North took over on downs, and immediately went 96 yards for a score — culminating on Nelson's 79-yard TD run that extended the lead to 14-0 in favor of the Jags.
PC then lost two fumbles over the remainder of the first quarter, making for a very frustrating beginning to a crucial district contest for the Maroons.
"Honestly, even though we were down 14-0 at halftime, I really wasn't that frustrated," pointed out a very candid coach Hines.
"What I said to the kids at the half was that North Laurel had played a great first half and we had played an awful first half," Hines continued. "I told them we had taken North's best shot and we were only down 14. To me, that was a positive that we could get back in it. They had played about as well as they could play in that opening half, and we had played about as worse as we could play, and we were still in the game."
After a Tyler Goins fumble — PC's third lost fumble of the night — inside the first minute of the second half, North Laurel went up by three scores, thanks to a Nelson 2-yard TD run with 8:20 remaining in the third period.
At that juncture, the Jaguars were cruising over PC by a 21-0 count.
Did North Laurel count its chickens a little too early?
Whether the Jags thought this one was over or not, the one thing that was painfully obvious to the home folks was the fact that PC was not going to go away quietly.
Caleb Cox got the Maroons on the scoreboard finally, with his 4-yard touchdown run with 4:50 left in the third stanza, trimming the deficit to 21-7 at that juncture.
Early in the final stanza, Riley Hall called his own number and raced down the left sideline for a 31-yard scamper for another score with 10:43 remaining in the contest.
All of a sudden, thanks to Derek Burgett's PAT, PC was incredibly back to within one score of the Jaguars, trailing North Laurel 21-14.
After holding the Jaguars to consecutive three and outs, the Maroons got the ball back with 3:46 left in the contest at the North Laurel 49-yard line.
A few plays later, Goins atoned for his earlier fumble with a hard-fought, 3-yard run with 1:52 left in regulation, cutting the deficit to 21-20.
At that point of the contest, with no hesitation whatsoever, Hines elected to go for the two-point conversion and the win.
"We were going to go for two all the way — no questions asked — and it had nothing to do at all with (Derek) Burgett," said Hines.
"Derek's been great all year long on extra points — he's almost automatic," remarked the Maroons head coach. "There were about two or three things that led to my decision. First of all, we always have a two-point play ready, one that we've practiced all week. So, we were a little bit prepared in that sense. The second thing is that playing a power-running team like North Laurel really didn't favor us for an overtime. But the over-riding factor for my decision was this — in my career as a head coach, we've been in five overtime games and we've lost four of them. We won over South Laurel in '06 by kicking an extra point and won that game 61-60. We've lost every other overtime game that we've played in, and I just don't like overtime. Win or lose, we were going for two, but we felt like we had the right play ready, and as things turned out it worked out for us."
After a timeout following Goins' TD run, the Maroons did indeed go for two, and converted when Hall hit a wide open Goins in the back of the end zone, giving PC a 22-21 lead.
However, the Maroons were far from finished.
On the ensuing kickoff, Lewis fumbled the ball thanks to a massive hit from Cox, and PC's Trent Fiene scooped up the ball and ran it into the end zone from five yards out, giving PC the 28-21 win.
"I'm proud of our entire unit — offense and defense — and our coaches did a great job of getting us ready this week," Hines said.
"This was a team win and I'm so very proud of everybody on our team," continued the PC coach. "Even down 21-0, nobody panicked. I hear this phrase all the time and we repeat it to our kids all the time, 'It's a long game'. We don't get tore up over what just happened, good or bad. It's a long game and we fight to play the next play. Our kids never quit, this team in never going to quit, and that's what I love about them. And, young or not, they grew up a lot tonight by overcoming a ton of adversity on the road by winning a huge district contest. I'm so very proud of them."
With the comeback win over North, Pulaski County moved to 4-2 on the season and to 2-0 in district play, and gained sole possession of first place inside Class 5A, District 7.
The Maroons will be back on the road next Friday night, facing All-State candidate Damien Harris and the Madison Southern Eagles in an attempt to move to 3-0 against district opponents.
Madison Southern had a chance to tie the Maroons in the district standings by going to 2-0 in league play, as the Eagles played at Lincoln County last night.
NL — Lewis 65 pass from Nelson (Kennedy kick)
NL — Nelson 79 run (Kennedy kick)
NL — Nelson 2 run (Kennedy kick)
PC — Cox 4 run (Burgett kick)
PC — R. Hall 31 run (Burgett kick)
PC — Goins 3 run (R. Hall conv. pass to Goins)
PC — Fiene 5 fumble return (Kick failed)
RUSHING — (PC) R. Hall 9-87 TD, Goins 9-54 TD, Cox 8-36 TD, Wooldridge 3-34. (NL) Nelson 15-111 2 TD, Blair 19-84.
PASSING — (PC) R. Hall 15-21 130. (NL) Nelson 1-3 65 TD.
RECEIVING — (PC) Goins 4-17, Smith 3-48, A. Hall 3-24, Wooldridge 1-27. (NL) Lewis 1-65 TD.


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Dallas Cowboys
Brandon Underwood - #23 - CB
|6' 1"/ 197 lbs.
|Hamilton, OH
|Years played
|2009, 6th round, 14th pick by Packers
Cowboys hire WR coach from Packers
Jimmy Robinson, who just helped a deep group of receivers in Green Bay capture the Super Bowl title, is the new WR coach of the Cowboys.
Top 10 stories of 2010 season
As players, owners and fans enter an offseason filled with uncertainty, Pro Football Weekly takes a look back at the 10 stories that shaped the 2010 season, both on the field and off.
Cowboys hire Baker as DL coach
The Cowboys have hired Brian Baker to coach the team's defensive line. Baker has been an assistant at North Carolina for a little more than a month.
Saints' Payton under scrutiny for buying home in Dallas
Saints head coach Sean Payton is catching heat, including from Saints fans, for buying a home in Dallas, where Payton has ties from his time as an assistant on the Cowboys' staff.
Payton moving family to Dallas
Sean Payton will be leaving his home in New Orleans, moving to Dallas and commuting to work daily via private plane.
Cowboys' Spencer struggled due to lack of 'focus'
The drop-off in play by Dallas OLB Anthony Spencer in 2010 was mostly the result of a lack of focus, teammate DeMarcus Ware told PFW, according to NFC Whispers.
Ware, Ratliff excited to work with Ryan
Cowboys stars DeMarcus Ware and Jay Ratliff barely have had time to talk to new defensive coordinator Rob Ryan, but they are excited at the possibilities.
Report: Seven injured by falling ice at Cowboys Stadium
Seven people were injured, one critically, in Dallas on Friday afternoon when ice fell from the roof of Cowboys stadium, according to the Dallas Morning News.
A Super Bowl to forget
Forty years ago, Baltimore and Dallas treated football fans to the sloppiest afternoon in Super Bowl history.
Jones thinks Super Bowl can break attendance record
Cowboys owner Jerry Jones said he thinks Super Bowl XLV could draw a record crowd at Cowboys Stadium, and he also spoke about other issues.
Cowboys hire Eberflus as LB coach
The Cowboys named Matt Eberflus the team's new linebackers coach on Monday, replacing Reggie Herring.
Comeback at 48? Herschel Walker wants a shot
Herschel Walker wants to play in the NFL at age 48 after being out of the league for 13 years.
Cowboys want Bryant to show more maturity
Dallas was not pleased with WR Dez Bryant's dedication to the game this season, so it allowed a rumor to float that the rookie might be available in trade.
Rob Ryan can fit in fine with Garrett
Some have wondered whether Rob Ryan, the Cowboys' new defensive coordinator, could fit with straight-laced Jason Garrett in Dallas. The simple answer: yes.
Cowboys officially name Ryan as defensive coordinator
The Cowboys named Rob Ryan as the team's defensive coordinator on Wednesday.
Underwood pleaded not guilty to a count of disorderly conduct Friday after being charged in an incident with his wife the night the team got their Super Bowl rings last month.||||||| Authorities allege the 25-year-old Underwood ripped a necklace off his wife, Brandie, and pushed her to the ground at their home following the June 16 ring ceremony. Brandie Underwood has said the incident has been blown out of proportion and that's she's never been afraid of her husband even though she filed for divorce in May. She said earlier this month they are still living together and receiving counseling. Underwood is scheduled to face trial on Sept. 26.
Underwood has been released on a $1,000 signature bond after his arrest in a domestic incident. WLUK-TV reports Underwood appeared in court Wednesday to face misdemeanor disorderly conduct charges after police were called to his house, just hours after the team got its Super Bowl rings June 16. The complaint says he ripped a necklace off his wife's neck.||||||| The Packers are aware of the charge, but declined further comment. Earlier this year, Underwood pleaded no contest to a misdemeanor count of soliciting a prostitute in a June 2010 incident at a resort cabin in Lake Delton, Wis., after two women alleged he sexually assaulted them. Underwood paid a $379 fine. A call placed Wednesday to his lawyer in that case was not immediately returned.


text: Robotics Club members from Mt. Vernon Township High School and their sponsors include, front row, kneeling: Charlie Kirkpatrick and Jacob Ferguson. Back row from left: Faculty Sponsor Steve Odle, Renee Mandrell, Alexander Cooper, James Campise, Kole Cralley, Alex Tran, Mentor Rob Cooper, and Jena Summers. Absent were Rachel Bolerjack, Michael Wright and Josh Cortez.


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Husker Basketball Coach Doc Sadler is on the hot seat even with his recent win over Illinois. The Huskers are near the bottom of the BIG 10 race and have had a few embarrassing losses this year. Many pundits from the Lincoln Journal Star and Omaha World Herald are writing Doc off at the end of this season. They may be right, but I am wondering if there is anything Doc and the Husker Basketball team can do to keep T.O. from making a change.
What do you think?


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Jeni Barnett and Andrew Wakefield – what can you say?
The last few minutes of the recently infamous Barmy Barnett Broadcast…
Yasmin: … if they read the Wakefield study in the Lancet in 1998, Dr Wakefield actually said that he didn't prove an association between MMR and…
JB: Well he wasn't really allowed to have his say, was he, Yasmin. He was kinda…
Yasmin: I think he was. I think he said it recently in court.
And now of course, we have some great Sunday Times column inches given over to years of investigative reporting by Brian Deer, who puts the anti-MMR vaccine charlatan firmly where he should be. Let me give you some choice excerpts from Brian deer's own excellent web site…
"In fact, Wakefield's tabulated finding – linking MMR with the sudden onset of regressive autism in two thirds of a consecutive series of 12, seen routinely at a children's bowel unit within the space of a few months – was both biologically implausible and statistically impossible. It simply could not happen…
Wakefield's "finding" and "result" were thus abandoned by history, with only the sting of his attack remaining. In due course, he would up the stakes, issuing a string of false claims, including baseless comparisons between California and London autism data, published with a Royal Free sidekick Scott Montgomery Ph.D in November 1999, again in the Lancet, falsely claiming that MMR was responsible for an epidemic of autism. Then, in January 2001, the pair published a sham review of vaccine research, in Adverse Drug Reactions and Toxicological Reviews. Analysis of these texts reveals Wakefield's motive: to attack MMR, with little heed for truth or consequence. But, with regard to the February 1998 Lancet paper, his claims were a charade: by a former surgeon with insufficient training in general medicine and paediatrics to realize that what he'd claimed was impossible…
The explosive revelation about Wakefield's £55,000, however, only scratched the surface of his pecuniary advantage. On the legal front, in December 2006 – only five months after Wakefield's supporters issued a statement denying that he was ever paid – the Legal Services Commission answered a Freedom of Information Act request from Brian Deer with a spreadsheet of fees to paid witnesses in the MMR lawsuit, stating that, since joining Barr ten years previously, Wakefield had been paid £435,643 [about $780,000], plus expenses, for his role in backing the generic case against MMR. This money – which is believed to have been augmented by yet more, still undisclosed, for work on individual children's records – was drawn against the cash-limited UK legal aid fund, intended to help poor people gain access to justice. During this period, Wakefield and his wife built a house on land purchased adjacent to their home, which was offered for sale in March 2007 priced £2,950,000 [$5,677,550]…
…in September 2008, a uniquely-authoritative virological study, co-authored by O'Leary – whose lab had evidently been brought up to a better standard since facing earlier criticisms – repudiated Wakefield's core claims. The study paper concluded:
"The work reported here eliminates the remaining support for the hypothesis that ASD with GI complaints is related to MMR exposure."
This study was ethically reviewed by four institutional bodies, and only drew on data from children who, unlike Wakefield's subjects, were admitted to hospital for ileocolonoscopies which were purely for clinical reasons, unrelated to research. One collaborator in the project – who also now publicly repudiated Wakefield's claims – was Dr Timothy Buie, of Harvard university: America's leading paediatric gastroenterologist with a special interest in autism.
As pennies have dropped, views have begun to change, with some parents even writing to tell Brian Deer that they supported his investigation: which followed 20 years of similar Sunday Times public interest probes, including inquiries into contraceptive pills from the Schering AG and Wyeth drug companies, antibiotics from Wellcome and Roche, sex drugs from Pfizer, and painkillers from Merck.
With regard to the events at the Royal Free, one mother wrote in an email:
"You'll never get a thank you for stopping the bad things happening to the kids because sadly they aren't capable of saying it, which is the reason they became victims in the first place."
Another parent, incensed by ex-litigants and crank rallies outside the GMC, wrote to Deer saying that she was the mother of two severely autistic children, and had been bullied into silence by anti-vaccine activists. "Now they are calling on members to attend a rally at the GMC in support of Dr Wakefield," she wrote. "Unfortunately I will be away or I would be there with my own banner! Do you know if I and other parents like me can send our own message to the GMC pointing out that not all parents of autistic children regard this man as a hero?"
Meanwhile, a father from one of the many families only now recovering from the strain of Barr's futile litigation wrote:
"Personally I think 'shot by our own side' just about sums it up. I still find it shocking what Wakefield did, and we never blame you for exposing it.""
The MMR-autism crisis – our story so far.
An investigation by Brian Deer.
Last updated January 2009.
The Sunday Times articles make fascinating reading and I urge you to buy the paper and hit the web site.
This is the charlatan that Jeni Barnett reckons "wasn't really allowed to have his say" and that appears to offer her support on her blog…
18. At February 5, 2009 7:50 PM Andy Wakefield wrote:
"Dear Jeni,
I would like to send you a pdf that may help you with any hostility from the MMR posting. Do you have a email adrdress that I can send it to?"
I think this charlatan has already had "his say", and ruined enough lives in the process.
If this is the support being offered, she should do herself a favour and look elsewhere.
And, as if that weren't enough, David H. Gorski, M.D. Ph.D., posts a succinct, analytical summary of Wakefield and his "work" at Science Based Medicine…
"… aided and abetted by useful idiots in the media, by British newspapers and other media that sensationalized the story, and the antivaccine movement, which hailed Wakefield as a hero, Wakefield managed to drive MMR vaccination rates in the U.K. below the level of herd immunity, from 93% to 75% (and as low as 50% in some parts of London). As a result, I "thanked" Andrew Wakefield for his leadership role in bringing the measles back to the U.K. to the point where, fourteen years after measles had been declared under control in the U.K., it was in 2008 declared endemic again…
Wakefield's work and ethics are about as bad as it gets…
Either he [Wakefield] took the history from parents, for whom confirmation bias could easily have led to remembering incorrectly that their child's behavioral changes were noted shortly after the MMR rather than before it or months later, in which case Wakefield was incompetent for not having examined the medical records. Alternatively, Wakefield did examine the medical records and lied about them in the Lancet paper. Take your pick…
Finally, Wakefield subjected children to unnecessary invasive medical procedures, and then incompetently analyzed the specimens obtained from them for measles virus. Given such a level of ideological blindness that seems to think his cause so just that good science and ethics are optional in pursuit of it, a lack of concern over blatant conflicts of interest, and an appallingly inflated opinion of himself that he is seems to believe that he is actually a persecuted Galileo, is it any surprise that Wakefield may have stooped so far as to falsify research results in his campaign?
… sometimes things are as they appear, sometimes there really is no conspiracy, and sometimes a rat is a rat."
David H. Gorski, M.D. Ph.D.,
Antivaccine hero Andrew Wakefield: Scientific fraud?
February 8th 2009.
Don't settle for my excerpts, they just don't do the original articles justice. David Gorski includes good scientific explanations, whilst Brian Deer does his profession proud with the fruit of some excellent, long-running investigations.
About time the fallacies over this crucial issue were dispelled.
What a great weekend for evidence, logic and truth… for a change.Explore posts in the same categories: MMR Vaccine Hoax, Science
Tags: Andrew Wakefield, Ben Goldacre, Hoax, Jeni Barnett, LBC, MMR, ScienceYou can comment below, or link to this permanent URL from your own site.
2 Comments on "Jeni Barnett and Andrew Wakefield – what can you say?"
February 8, 2009 at 4:47 pm
[...] has taken the opportunity to highlight the assocation between these revelations and recent events: Jeni Barnett and Andrew Wakefield – what can you say?. Milligan concludes: Brian Deer does his profession proud with the fruit of some excellent, [...]
February 9, 2009 at 4:23 am
I've done another round-up post — who is saying what about the Deer articles on Wakefield in the London Times. I've included this post.
11 years on, Wakefield Manufactured Data showing MMR-Autism Link?


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« Nicki Minaj Ignites the Set of Willow Smith's 'Fireball' Video
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Nelly Duets with Taylor Swift in Houston [Video]
After topping the charts with Tim McGraw ("Over and Over") in 2004, Nelly linked up with another one of country's biggest stars. The St. Louis rapper performed his hit "Just a Dream" with Taylor Swift at her "Speak Now" concert at Minute Maid Park in Houston last night.
"Our last stadium show of the tour- Houston, Texas!! Singing 'Just A Dream' with Nelly was a serious lifetime highlight. Fantastic night," tweeted the country sweetheart, who regularly covers the song on tour.
Taylor has surprised audiences across the country by bringing out 16 different artists including Nicki Minaj, Usher, T.I., and B.o.B.
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Money Market
NB&T's Endeavor money market account offers an easy investment account that pays higher interest rates than traditional checking and savings accounts. . Plus, there is no monthly account fee when the monthly minimum balance is met and no early withdrawal penalties so your funds are available as needed. And with free online banking and Mobile banking, you can view your accounts 24/7 on your computer or your cell phone!
For more information contact a Relationship Banker at 888-895-2125 and set up an appointment at your convenience.


text:
By Shane Frederick
Free Press Staff Writer
It's the 10th-ranked MSU Mavericks (22-11-3, 16-11-1 in WCHA) vs. the 20th-ranked UNO Mavericks (18-16-2, 14-12-2) in the first round of the WCHA tournament, Minnesota State's first home playoff series since 2008. MSU has won just two first-round series, in 2000 and 2003, and would love nothing better than to get back to the Final Five in the final season before the conference breaks up.
Five things to know about the matchup:
1. Home cookin': Minnesota State went 11-6-1 at the Verizon Wireless Center this season, outscoring opponents 60-39. Both times the purple Mavericks advanced to the Final Five, they were at home for the first round. However, they lost the last time out, in 2008, when Minnesota edged them in double-overtime in the third game of that epic series.
2. Inside the numbers: Minnesota State senior wing Eriah Hayes (19-15—34) is second in the country in shots on goal with 160. He continues to lead the WCHA with 12 power-play goals, while sophomore center Matt Leitner (15-26—41) is tops in the league with 24 power-play points. Leitner is seventh in the WCHA and tied for 10th in the country in scoring. For his career, he has 70 points in 74 games.
3. Power hungry: Minnesota State's 39 power-play goals are second in the nation, and its 23.1 success rate is sixth. After Hayes, Leitner is second on the team with five power-play goals. Chase Grant and Josh Nelson each have four. MSU has allowed just 24 power-play goals. The last time it allowed fewer than 30 in a season was in 1999-2000, its first year in the WCHA.
4. Walters & Co.: Omaha junior forward Ryan Walters (21-29—50) has been the man this season. He leads the WCHA in points and is second in the league with a plus-25 rating. Seventeen of his goals have come at even strength. The red Mavericks are "dangerous" MSU coach Mike Hastings said, with Josh Archibald (19 goals), Matt White and Dominic Zombo all scoring 30 points or more.
5. Omaha update: Omaha has dropped its last four games and seven of its last nine. It's given up 26 goals in the last five games, including 13 power-play goals on 26 kills. Over the last month, it has had three different starters in goal, none of whom was the now-departed Anthony Stolarz, who beat MSU in December. John Faulkner (.886, 3.02) has played most of the minutes this season.
Will this finally be the year for the Gusties?
Gustavus will open the NCAA Division III semifinals at 7 p.m today against Elmira at Superior, Wis. It's Gustavus' fourth consecutive trip to the final weekend, but it hasn't won a Frozen Four game since taking third place in 2005.
According to coach Mike Carroll, a pair of overtime losses in last season's final weekend, coupled with the fact that there are five seniors who have been oh-so-close the last three years, might be the recipe for success this time around.
The seniors are Lindsey Hjelm, Meagan Wanecke, Jenna Christensen, Kelsey Kennedy and Kayla Ingbretson
The second-ranked Gusties (27-0-1) will play Elmira (22-5-1) at 7 p.m. today. The 4:30 p.m. semifinal pits No. 1 Plattsburgh (26-0-2) against Middlebury (19-7-2). The championship game will take place at 7 p.m. Saturday.


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From The Archives: (Re)Discovering our History CJFF EXCLUSIVE
Julia hosts a program unlike any other with the screening and discussion of Union Maids (1976, 48 min) and various clips from films you'll never get a chance to see otherwise. Julia Reichert, three-time Academy Award nominee, "Godmother" of the festival and one of the leaders of the early feminist film movement, returns to Citizen Jane to showcase films long hidden away, many that have not seen since the time they were made, and leads us in discussion about women and our sense of our own history. Watch these films and learn as Julia contextualizes the films and our histroy--this truly unique experience is a CJFF Exclusive!
Union Maids (1976) by Julia Reichert, Jim Klein and Miles Mogulscu
Screening her own 1976 documentary Union Maids, we see the sitdowns, scabs, goon squads, unemployment, hunger marches, red baiting and finally the energetic birth of the CIO. The 1930s were a landmark period for the American labor movement and Union Maids is the story of three women who lived the history and make it come alive today.
Yudie (1974) by Mirra Bank
A film about independence, agin, and the immigration experience.
Antonia, Portrait of a Woman (1995) by Jill Godmilow
This Oscar-nominated documentary combines archival footage, candid interviews and animation to chronicle the groundbreaking career of conductor Antonia Brico, who wielded the baton before several of the world's premier symphony orchestras. Director Jill Godmilow and singer Judy Collins reveal the extraordinary strength of spirit that allowed Brico to overcome the obstacles she faced as a woman in a thoroughly male-dominated profession.
Old Fashioned Woman (1974) by Martha Coolidge
A documentary film portrait of the filmmaker's New England grandmother, with humor, charm and intelligence and illustrated by her many photographs Mabel Coolidge tells of her life from growing up in Massachusetts. From getting her first camera, Smith College, designing and building her dream house, being married to the Lieutenant Governor, to her secrets of out living most of her family members she shares the values and of a different world and how they helped her.
Nana, Mom, and Me by Amalie Rothschild (1974)
What began as a film document (recording Nana before she died) evolves into the filmmaker's search for her roots, her relationship with her family, and her identity as a woman.
Julia Reichert
Julia Reichert's first film, Growing Up Female, was the first feature documentary of the modern Women's Movement. Her films Union Maids, Seeing Red, and The Last Truck were nominated for Academy Awards. Her film A Lion in the House, made with Steve Bognar, premiered at Sundance, screened nationally on PBS and won the Primetime Emmy for Exceptional Merit in Nonfiction Filmmaking. Reichert and Bognar's latest film Sparkle premiered at the Silverdocs film festival earlier this year and won the Audience Award for best short documentary. Julia is co-founder of New Day Films, the film distribution co-op. She is auther of Do It Yourself, the first book on self-distribution in independent film, and is an advisory board member of IFP and a member of the Academy of Motion Picture Arts & Sciences.