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Barry Greenberg
Senior Vice President | Philadelphia
Professional Summary
Barry joined Colliers in 1968. Though he originally worked in Philadelphia's Central Business District, he now focuses his efforts on industrial properties in the Western and Northern Suburbs of Philadelphia.
Barry has worked in the Philadelphia region representing local and national clients for over 30 years, specializing in site selection, leasing and acquisitions/disposition of industrial properties. His comprehensive knowledge of these markets, combined with his proven ability to target prospects and analyze and capitalize on market opportunities, has made Barry a continued top producer of the firm and a client's advocate. In 2005, Barry was recognized as one of the region's top 20 industrial leasing brokers by CoStar.
Temple University
Philadelphia, PA
Memberships & Involvements
Member of the National Association of Realtors (NAR)Member of the TriState Realtors® Commercial Alliance PA licensure for real estate practices
Acxiom CorporationAllegro MicrosystemsAmoco CorporationBemis Company Bostik, Inc.Brown Boveri, Inc.Exelon CorporationFranke Contract GroupFuqua Industries, Inc.Goldman Paper GroupInterco, Inc.Kulicke & Soffa IndustriesLaSalle AdvisorsLiberty Property TrustO'Neill PropertiesPECO Energy CompanySGS Thomson MicroelectronicsU.S. HealthcareUnited States Postal ServiceUSG Corporation


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Apr 4, 2022
Our special guests Jay Edidin and Paul O'Brien return for episode #5, ready to talk about the fifth issue of Marvel's Secret Wars! And they're just in time, too, because Galactus is about to destroy everything! They talk to cosmic host Al Kennedy about Xavier's bedside manner, Molecule Man's glow-up, and reveal what Jim Shooter's idea of a psychedelic mind-expanding experience looks like.
The War Effort is produced by the immensely talented Dave Bulmer, who you can follow on Twitter here. Our logo comes from the tremendously gifted mind of James Wendelborn, who is on Twitter here. Thank you to them both for their incredible work - give them a follow!
Al Kennedy is the host of podcasts House to Astonish and Desert Island Discworld, in which he sits down with special guests to talk about their work, their career, and the Terry Pratchett novel they would take with them if they were cast away to a desert island. He's also been a featured writer for Shelfdust, and you can find his byline here! For more from Al, you can follow him on Twitter here and follow Desert Island Discworld on Twitter here.
Jay Edidin is co-host of the mega comics podcast Jay and Miles X-Plain The X-Men, which, if you ask me? About time somebody did that. A writer, editor, and hero of the people, you can find more from Jay here, or follow him on Twitter here!
Paul O'Brien is the other co-host of House to Astonish, alongside Al. Paul writes regularly on the House to Astonish website, where amongst other prolific things he's been covering every single Wolverine comic to ever exist, if such a task is possible. You can find Paul on Twitter here!

subset: commoncrawl


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Leverage your talent acquisition team to gain a real-time market view and make smarter offers.
Automatically analyze pay expectations and competing offer data captured from ongoing recruiter conversations with candidates.
Put your guidelines front and center for recruiters, automatically fit by job, level, and location whenever they want to draft an offer.
Automatically organize thousands of offers by job family, location, and level. You get rich, accurate offer data and helpful reporting tools at your fingertips.
Compa compares draft offers to past offers and current employees to automatically calculate win chances, improve pay parity, and scan for pay bias. It's like adding a comp analyst to every offer.
Track offers and win rates against your top competitors, then target talent from companies where you win more often.


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|Product name
|CB2 Polyclonal Antibody
|Synthesized peptide derived from the Internal region of human CB2 at AA range: 170-250
|Applications notes
|Optimal working dilutions should be determined experimentally by the investigator. Suggested starting dilutions are as follows: WB (1:500-1:2000), IF (1:200-1:1000), ELISA (1:5000). Not yet tested in other applications.
|Preparation method
|The antibody was affinity-purified from rabbit antiserum by affinity-chromatography using epitope-specific immunogen
|CNR2; Cannabinoid receptor 2; CB-2; CB2; hCB2; CX5
|Liquid solution
|1 mg/ml
|Storage buffer
|PBS containing 50% Glycerol, 0.5% BSA and 0.02% Sodium Azide.
|Storage instructions
|Stable for one year at -20°C from date of shipment. For maximum recovery of product, centrifuge the original vial after thawing and prior to removing the cap. Aliquot to avoid repeated freezing and thawing.
|Gel pack with blue ice.
|The product listed herein is for research use only and is not intended for use in human or clinical diagnosis. Suggested applications of our products are not recommendations to use our products in violation of any patent or as a license. We cannot be responsible for patent infringements or other violations that may occur with the use of this product.
|The cannabinoid delta-9-tetrahydrocannabinol is the principal psychoactive ingredient of marijuana. The proteins encoded by CNR2 and the cannabinoid receptor 1 (brain) (CNR1) gene have the characteristics of a guanine nucleotide-binding protein (G-protein)-coupled receptor for cannabinoids. They inhibit adenylate cyclase activity in a dose-dependent, stereoselective, and pertussis toxin-sensitive manner. These proteins have been found to be involved in the cannabinoid-induced CNS effects (including alterations in mood and cognition) experienced by users of marijuana. The cannabinoid receptors are members of family 1 of the G-protein-coupled receptors.
|Gene ID
|CNR2; Cannabinoid receptor 2; CB-2; CB2; hCB2; CX5
|CB2 Polyclonal Antibody detects endogenous levels of CB2 protein.
|Observed Band(KD)
Fig. Western Blot analysis of various cells using CB2 Polyclonal Antibody.
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1.The species of antibody reactivity should be the sample species that can be matched normally after Abbkine R&D experts have passed strict scientific verification. If your sample is not within the range of reactivity, in order to improve the efficiency and results of your experiment, it is not suggested to try other species. Otherwise, it may lead to sample mismatch and affect the effect of your experiment.
2.Please aliquot the antibody received as soon as possible and store it at -20℃, avoid repeated freezing and thawing, and use it within one year.
Welcome any form of communications, and better service will be provided here.
Tell: +86-27-59716789
Fax: +86-27-59716788
Email: firstname.lastname@example.com
Address: Bldg C17, Optics Valley International Biomedicine Park, Wuhan, China. 430223


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Serena Williams is on the cover of the latest Wheaties Box. Who has the most box appearances? What athlete has appeared on the box the most? For Rascal Flatts or Chris Young tickets, Who's #1?
"Michael Jordan" makes Tonya from Perryopolis a winner of Chris Young tickets. And congrats to Stacy from Brownsville who wins the Dan's Tire Service $100 gift certificate. – James Pond
1. Michael Jordan (18 times)
2. Tiger Woods (14)


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- RGB ON/OFF LED spotlights.
- With SMD2835 LED of high energy efficiency and luminosity
- Power of 35W and luminosity of 2800 lumens
- Resistant both in fresh and salt water.
- Simple design in white ABS.
- Surface installation with standard bracket.
- IP68 protection that guarantees its use in water.
- Includes safety transformer approved 12V AC and 100W.
- Pack suitable for Remote Control ON/OFF (not included in this pack).
The Offer
The pack includes two RGB ON/OFF LED spotlights of 35W and 2800 lumens of light power and made of high quality ABS. The pack includes an approved safety transformer 100W 12V AC that covers the energy needs of the spotlights of the offer.
Spotlights manufactured for a long life. We choose the best components and materials to offer the best final product. SMD 2835 LED that guarantees the best energy efficiency and brightness. Body made of white ABS, very resistant against corrosion and shocks.
- Number and Type of LEDs
- Nominal Voltage
- Material
- Luminance (Lm)
- 3600
- Nominal Power (W)
- 35
- Estimated Life (H)
- Dimensions (mm)
- 290*60
- Energy Class
- Certificates
- CE - RoHS
- Protection
- Colour
- RGB (2-wire cable)
- Type
- Surface
- Cable length
- 1,8 m
- Cable type
- 2 strands
At Swimhome we not only offer you the best service and the closest treatment, we also know that getting a good price is important to you. That's why we always guarantee you the best purchase price, and if you find a better one, we'll beat it.
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meaning of at
1. Primarily, this word expresses the relations of presence, nearness in place or time, or direction toward; as, at the ninth hour; at the house; to aim at a mark. It is less definite than in or on; at the house may be in or near the house. From this original import are derived all the various uses of at.
2. A relation of proximity to, or of presence in or on, something; as, at the door; at your shop; at home; at school; at hand; at sea and on land.
3. The relation of some state or condition; as, at war; at peace; at ease; at your service; at fault; at liberty; at risk; at disadvantage.
4. The relation of some employment or action; occupied with; as, at engraving; at husbandry; at play; at work; at meat (eating); except at puns.
5. The relation of a point or position in a series, or of degree, rate, or value; as, with the thermometer at 80¡; goods sold at a cheap price; a country estimated at 10,000 square miles; life is short at the longest.
6. The relations of time, age, or order; as, at ten oclock; at twenty-one; at once; at first.
7. The relations of source, occasion, reason, consequence, or effect; as, at the sight; at this news; merry at anything; at this declaration; at his command; to demand, require, receive, deserve, endure at your hands.
8. Relation of direction toward an object or end; as, look at it; to point at one; to aim at a mark; to throw, strike, shoot, wink, mock, laugh at any one.
9. In concord or friendship; in agreement (with each other); as, to be, bring, make, or set, at one, i. e. , to be or bring in or to a state of agreement or reconciliation.
10. Of the same opinion; agreed; as, on these points we are at one.
11. Together.
12. AT IBM PC AT at 1.
Related Words
at | at attachment | at bus architecture | at&t bell labs | at-3 | ata | atabal | atacamite | atafter | ataghan | atake | ataman | atanasoff, john vincent | atanasoff-berry computer | ataraxia | ataraxy | atari | ataunt | ataunto | atavic | atavism | ataxia | ataxic | ataxy | atazir | ate | atechnic | ateles | atelier | atellan |


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Listing ID #9554
150 Curtis Court
Pittsburgh, PA 15237
Welcome Home to 150 Curtis Court – Impeccably Maintained, Beautifully Appointed & Spotless! Conveniently located at The Ridge at Highland Pines with easy access to shopping, dining and major roadways. This "Wexford" floorplan with a 4 foot extension boasts 3 bedrooms, 2. 5 baths & 2 car garage. The spacious & bright living room opens to fully equipped upgraded gourmet kitchen. Entertain to your heart's content w/ the 10 foot granite island, stainless appliances, abundant cabinetry & counterspace + open dining room w/ wooded view. Luxury laminate flooring on the main level with powder room and coat closet. Generous sized master suite complete with a tray ceiling & fan + walk in closet & en-suite bath featuring an oversized custom stand up shower, double tiered vanity & ceramic tile flooring. 2 additional ample sized bedrooms w/ hallway full bath & fully equipped laundry room. Beautifully finished lower level w/ walk out. Custom blinds & upgraded recessed lighting throughout.
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For Monday's episode of "The Voice," popular contender Laith Al-Saadi took on one of the all-time great rock and blues classics by the late B.B. King. What did you think of his performance of the song "The Thrill Is Gone" (watch above)? Give your letter grade A-F in our new poll below.
[PHOTOS] 'The Voice' winners:
See complete list of past champs
Al-Saadi is a Michigan native and is the oldest remaining contestant this season at age 38. His coach for this 10th season of the NBC reality program is Maroon 5 frontman Adam Levine, a three-time champ mentoring artists, including last season's Jordan Smith.
His song choices so far this season have been "The Letter" by The Box Tops (blind audition), "Honky Tonk Women'" by Rolling Stones (battle round), "In Your Eyes" by Peter Gabriel (knockout round), "With a Little Help from My Friends" by The Beatles (live round one), "Born Under a Bad Sign" by Albert King (top 12), "Make It Rain" by Ed Sheeran (top 11), and "The Thrill Is Gone" by B.B. King (top 10).
'The Voice' Top 10:
Alisan Porter leads best performers on Monday's show
Gold Derby contributing writer Denton Davidson wrote of his performance on Monday: "Nothing could pair better with Al-Saadi's gravely vocals and ferocious guitar skills than a B.B. King classic like this. Vocals aside, there is not a more interesting musician on the show. His guitar skills are top notch, fun to watch, and take his performances to another level. He's looking more and more like a finalist each week."
And now it's your chance to grade Al-Saadi. Give him an A, B, C, D or F for Monday's performance.


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OmahaWatch the Race
Thank you to our sponsor
Omaha Racing News
The Triple Crown is a series of three thoroughbred horse races for three-year-old horses, which take place in May and early June of each year. The Triple Crown of horse racing is considered one of the most difficult accomplishments in horse racing, and possibly all of sports championships. The grueling schedule requires a three year old horse to win the Kentucky Derby, then two weeks later win the Preakness Stakes, and then three weeks later win the Belmont Stakes. In all of racing history, only thirteen horses have achieved the Triple Crown.
Omaha Profile
By Vance Hanson
From the first crop of Gallant Fox, Omaha has for nearly nine decades held the distinction of being the only Triple Crown winner sired by another. Like his father, he was bred in Kentucky by Jockey Club chairman William Woodward and raced in his Belair Stud silks of white and red polka dots.
Although a useful 2-year-old, Omaha failed to win any of his seven stakes attempts in his first season. Indeed, he arrived at Churchill Downs still seeking his first stakes victory after placing third in the Wood Memorial in his final prep.
The long-winded Omaha proved to need as much ground as he could get. Running beyond a mile and 70 yards for the first time in the Kentucky Derby, he won by 1 1/2 lengths, and then came back to win the Preakness the following week by six lengths. Second in the one-mile Withers in between the Preakness and Belmont Stakes, Omaha rebounded to sweep the Crown with a 1 1/2-length tally.
A well-beaten third in his only start against older horses that season, to the great Discovery in the Brooklyn Handicap, Omaha completed his 3-year-old season with victories in the Dwyer and (Arlington) Classic.
Trained by "Sunny" Jim Fitzsimmons at ages two and three, Omaha was shipped to England for his 4-year-old season. Omaha proved a highly capable turf horse as well, winning twice and narrowly losing the Gold Cup at Royal Ascot and the Princess of Wales's at Newmarket when conditioned by Capt. Cecil Boyd-Rochfort.
TwinSpires: Omaha Horse Profile
Stakes Win History
|Queen's Plate
|2 1/2 Miles
|May 30, 1936
|Victor Wild
|1 1/2 Miles
|May 9, 1936
|1 1/4 Miles
|Jul 20, 1935
|1 1/8 Miles
|Jun 29, 1935
|Belmont Stakes
|1 1/2 Miles
|Jun 8, 1935
|Preakness Stakes
|1 3/16 Miles
|May 11, 1935
|Kentucky Derby
|1 1/4 Miles
|May 4, 1935
*Morning line odds are an independent handicapper's estimate and do not necessarily reflect the actual chance each horse will win


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Hanna Glow Travel Set
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This travel set consists of:
- Hanna Glow Royal Moisture Essence 30 ml
- Hanna Glow Premium 24K Gold Ampoule 25 ml
- Hanna Glow Illuminating BB Cream 30 ml
A perfect set to nurture your skin during your travel.
This travel set is also completed with a beautiful stylish pouch.


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Army Beans font by Bionic Type
This is the page of Army Beans font. It was created by Bionic Type. This font is free and can be used without any restrictions. It was published on Fontzzz.com on Monday 21st of May 2012 at 07:14 PM and was placed in the "Fancy - Cartoon" cattgory. Version of the Army Beans font is "1998; 1.0, initial release". You can download Army Beans font for free by clicking download button. This font was comressed in a ZIP archive for your convenience. It contains 1 font files.


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How Long Is Warframe Night Cycle
How often is night on Cetus?
Based on the current timing of the day/night cycle, the pattern repeats every 5 days. As an example, nighttime on Feb. 11 starts at 1:24 am (Central Time – United States) and later on once again at 3:54 am.
Where can I buy Cetus wisps?
Cetus Wisps can be found floating over water in the Plains of Eidolon. They can additionally be purchased from Quill Onkko or from Functional Supply throughout Procedure Plague Star.
What is Cetus Warframe?
Cetus is a village constructed by the Ostrons, situated to the north of Mantle, Planet.
How do I use Apothic nightfall?
Nightfall Apothic In order to craft the Apothic, gamers have to utilize Codex or Synthesis Scanners to locate as well as check the various plants the Apothic requirements throughout the system. The Dusklight Sarracenia can be discovered in boggy waters in Grineer Shipyard objectives, which are most commonly found on Ceres.
How do you use Apothic in Warframe?
Use. Upon locating the shrine, gamers must bless the large stone altar ahead, which will consume the Apothic as well as summon a specter based upon the Apothic used.
Where is the Grineer forest?
The Grineer Forest (additionally called Planet Forests) is the 9th Tileset to be launched, after the Corpus Gas City. Found in the world, these thick jungles are occupied with plants genetically crafted by the Orokin to be extra durable as well as unsusceptible to Invasion.
Do Cetus wisps spawn at night?
Throughout the day, 3-4 Wisps will spawn across the entirety of the Plains. At night, the number of Wisps spawned will certainly increase to 6-8. It is possible for Gara Toht Lake to generate as much as 4, or perhaps 5 in the evening.
Who is Onkko?
Onkko, or his complete epithet Quill Onkko Key, is a former Ostron historian and archivist when in charge of lorekeeping, as well as the current representative of the Quills on the Plains of Eidolon as well as in Cetus.
How big is Warframe map?
Making use of the distance from the waypoint in Devstream 116 I exercised that the dimension of the map is 8.2 kilometres square.
How long is day in plains of Eidolon?
Daytime in the Plains lasts for 100 mins, while nighttime lasts only 50 mins. All gamers will experience the very same time of day at any type of certain time in the Levels of Eidolon.


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ESIA works with the Mono County Library System providing Story Time Programs to the Mammoth Lakes, Lee Vining, and Bridgeport Branch Libraries once a month. Story Time is an amazing program that engages children of all ages to learn about our local animal communities, plants, and landscapes through interactive literature, activities, and crafts.
Mono County Libraries Story Time Programsierraforeveradmin2022-03-04T11:26:59-08:00


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SolidWorks Crack With License Key
SolidWorks Crack is used to develop designs & built the simulation model. All designers used it to create buildings design, robot designs, car designs, etc. It creates reality-based models. SolidWorks Key comes with the ability to make 2D and 3D models. It is the best alternative to CAD. Also, It is a highly useful piece of program. It provides a user-friendly environment. Best tool for the Designers, Brochures, Engineers, etc. Give full access to users who use it in their own way. It provides all tools and assets that are helpful to create the design. Also, used to create the background sets for movies. It does the task in less time and secures the user's time. Users easily drag and drop the objects and tools. Also, used to create the design of vehicle engines.
SolidWorks Mac Crack works on Windows 7, Windows 8, Windows 10, and Windows 11 and is also suitable for all MAC OS devices. It brings innovation to the architecture field and creates the building models to calculate the requirements before starting the actual work. It comes in a lot of versions but each version is updated with new things. Now, it is the perfect tool to create anything on it.
SolidWorks 2023 Crack + Activation Key
SolidWorks Cracked is a simulation model-making tool. It creates models that contain reality-based textures. It allows multiple users to perform one task at a time. SolidWorks Full Crack generates high-quality models. Also, provide many color combination schemes. Allows the user to analyze the model physically. Helpful to create animation movies. Movies make use of this to create models, cartoon models, and much more. Helpful to create applications or software design. Users can take the backup of their data through it. It is a secure and trusted piece of code for people like this and takes benefit from it. The latest version is much more new things and this edition is lightweight and more responsive. It provides different tools bar users easily select anything and use it.
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Sample Video:
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Knowing how to schedule texts on Android is essential for anyone who wants to relay a message to a friend, family member, or colleague at a specific date and time.
While we delved into how to schedule texts on iPhone in "5 little-known iPhone tricks sneaky people use," Android users shouldn't get left in the dust. Whether you have a Samsung Galaxy S22, a Pixel 7, or any other Android device, we've got the scoop on how you can schedule texts on Android.
How to schedule texts on Android
Keep in mind that this particular tutorial uses the Samsung Galaxy S22 Ultra, but the following steps should work similarly on most Android devices. Without further ado, here are the steps on how to schedule texts on Android.
1. Find the Messages app and open it.
2. Tap on the New Message icon.
3. Select the person you'd like to text.
4. Start typing your message in the empty field.
5. Long press the send button (typically depicted as an arrowhead).
6. Tap on Pick date and time.
7. Select your preferred date on the calendar and tap Next.
8. Select your preferred time and tap Next.
9. Confirm that the date and time are correct; tap Save.
Be sure to check out our other Android guides that help to optimize your experience with your phone, including the best way to transfer files from PC to Android.


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Actually, chakras are very interesting things. I view them as interfaces to the Emptiness. The Emptiness is what existed before the Big Bang & flows thru channels, powering this Universe in every moment. You are filled with zillions of connections ALL OVER to it. The Heart is just a really really nice one.
Scientist. Writer. Meditator. Blue Tantrika. Mystical Rabbi. Climate & Human Rights Activist. I'm a man of few words, except when I open my mouth.


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'Meeting Merkel gave me the courage to walk again'
The disabled Palestinian teen who gained fame after a discussion on refugees with Angela Merkel brought her to tears has spoken about about how the Chancellor has changed her life.
One year ago, 15-year-old Reem Sahwil went to a televised discussion led by Chancellor Merkel and left with something she never expected: international attention and mockery of her host country's leader.
The Palestinian refugee had been living with her family in the northern city of Rostock for several years after leaving a Lebanese refugee camp and faced possible deportation.
The debate was held a month before Merkel famously uttered "Wir schaffen das" (we can do this) and temporarily suspended certain restrictions for Syrian refugees, leading to a huge rise in people applying for asylum.
Sahwil told the Chancellor in fluent German about her concerns for her family's future, to which Merkel responded by saying "Of course you are an extremely nice person" and then defended the government's asylum policies, explaining that Germany "couldn't manage" to take in all those fleeing war and poverty.
Soon Sahwil began to cry and the Chancellor stroked her head and tried to comfort her, leading to ridicule of online as critics said Merkel appeared cold-hearted and awkward.
From the beginning, Sahwil has stood up for Merkel, and again repeated her gratitude in an interview with Bild, published online on Thursday.
"She got a lot of criticism for how she petted me. But it was certainly an emotional and unique situation - also for her. I would simply say thank you to her, from me and my family, but also from all refugees who she has helped. This has not been so easy for her and Germany and I thank Ms. Merkel very much for it."
In September, Sahwil and her family learned that they would receive residency permits, and in December it was announced that their permits would be valid until October 2017.
Merkel's head spokesman Steffen Seibert also told DPA news agency this week that the teen had met with the Chancellor once again after the famous encounter, and that she had been invited to a talk at the Chancellery after the Easter holidays this year.
But besides the news for her family and the lingering buzz about the Chancellor's encounter with the teen, Sahwil said this past year has been big for her in other ways: she was using a wheelchair when she first met Merkel, and now is walking on her own.
"I have become more self-confident and brave because in the past year so much has happened. I was in the newspapers and even on TV. That was all very exciting for me," she told Bild.
"Over the months since, I have also grown healthier. A little over a year ago, I used a wheelchair and couldn't walk on my own. But in the past couple of months, I have had the courage to try to stand on my own feet and walk.
First I tried with my father giving me his hand, then at some point alone. I have slowly made and practised taking steps forward. Today I can walk all alone," she continued, adding that now she just uses the wheelchair when she grows tired from walking.
"I am crazy happy about this and I don't know if I would have had this bravery if it weren't for the meeting with Merkel."
Rostock's mayor told DPA that he was very optimistic that she and her family would ultimately be able to permanently stay in Germany.
"I would say that we have now found a second home" in Germany, Sahwil said.
"In Lebanon, I had my childhood, my family, and my roots. Rostock is now our home and we feel very happy here."
Please keep comments civil, constructive and on topic – and make sure to read our terms of use before getting involved.
Please log in here to leave a comment.


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Collection 2023
"Prince Quartz V2 belongs to the new generation of paddle blades of the highest range. For pro and / or intensive level players looking for a powerful shovel, very comfortable and manageable. It is a light shovel with an explosive power. Very good feelings in your game.
The T-Gel system with elastomer in the fist absorbs vibrations of your blows to protect your arm and wrist. Prevents injuries.
Textured face with spinf to give more effect to your game. It incorporates a P-Wristband wristband that keeps the sweat away from your hand.
Its cosmetics is attractive and asymmetric.
Make your game powerful and light. Enjoy it!


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Author Archives
Michele Stopera Freyhauf is a Doctoral Student in the Department of Theology and Religious Studies and a Member of the Centre for Catholic Studies at Durham University as well as an Instructor at John Carroll University's Department of Theology and Religious Studies. Michele has an M. A. in Theology and Religious Studies from John Carroll University, and did post-graduate work at the University of Akron in the area of History of Religion, Women, and Sexuality. She is also a Member-at-Large on the Student Advisory Board for the Society of Biblical Literature and the student representative on the Board for Eastern Great Lakes Biblical Society (EGLBS). Michele is a feminist scholar, activist, and author of several articles including "Hagia Sophia: Political and Religious Symbolism in Stones and Spolia" and lectured during the Commission for the Status of Women at the United Nations (2013). Michele can be followed on Twitter @msfreyhauf and @biblicalfem. Her website can be accessed here and is visible on other social media sites like LinkedIn and Google+.
From the Archives: Rape is Not a Political Platform – Rape is a Violent Crime! By Michele Stopera Freyhauf
Moderator's note: This marvelous FAR site has been running for 10 years and has had more than 3,600 posts in that time. There are so many treasures that have been posted in this decade. They tend to get lost in… Read More ›
In the Words of the First Poet and Historian: "I am" by Michele Stopera Freyhauf
These days I find it hard to write – I feel plagued with negativity, and the news and violence and overall hateful actions of others have weighed deeply on my soul. While I personally am ready to celebrate a milestone… Read More ›
Is Evil Winning? by Michele Stopera Freyhauf
If you are like me, today (and most days lately) it is difficult to be positive in a world that seems so full of hate. In fact, I struggled with a topic to write about because, in all honesty, it… Read More ›
The Divided States of America – Will We, as a Nation, Continue to Stand? by Michele Stopera Freyhauf
If you are like me, you are still reeling from the election results in the United States – trying to make sense of it, while at the same time going through the steps of mourning. As I write this, it… Read More ›
Moving Away from Normative Maternal Roles in the Catholic Church by Michele Stopera Freyhauf
Earlier this week, social media was all abuzz about the Pope's investigation into restoring women to the diaconate. In the complete transcript of the Pope's comments, the traditional notion of women's maternal role in the church is mentioned in relation… Read More ›
What Happens when Wonder Woman "Leans In" and Winds up in Traction? by Michele Stopera Freyhauf
They always say in writing – use a title and the first few sentences to grab attention and the reader will want to see what you have to say. By my title, you have probably ascertained that I have made… Read More ›
Let My People Go! Modern Day Oppression and Exile by Michele Stopera Freyhauf
Let my people go! Where is the humanity? Why are my sisters and brothers continuously subjected to persecution? Who will help and stop this madness? I am a member of the human race. Collectively I identify with those who need… Read More ›
Abuse Does Not Have "Fifty Shades of Grey" by Michele Stopera Freyhauf
WARNING: This article or pages it links to contain information about domestic abuse and sexual violence which may be triggering to survivors. No matter what you call it abuse is abuse. This is highlighted in the popular book and now movie Fifty… Read More ›
Research and the Dissertation: Getting Back to Basics by Michele Stopera Freyhauf
History is written by the victors – this is something that we all know, or at least should know. I apologize in advance for being elementary in my discussion, but I think one thing that scholars tend to do too… Read More ›
Reclaiming the Feminist Beginnings of America's Thanksgiving by Michele Stopera Freyhauf
For those who are unaware of my research focus and methodology, I try to use history to reconstruct or reclaim the feminine voice through more of an exegetical lens rather than an eisegetical or ideological lens. When it comes to… Read More ›
Reviewing Gender and Career Progression in Theology and Religious Studies by Michele Stopera Freyhauf
Abstract from the Study: The low proportion of women within the subject areas of Theology and Religious Studies has long been observed, and is increasingly recognised as a serious problem for staff and students. In this new study, Mathew Guest, Sonya… Read More ›
Movement Within the Catholic Church – Time for Receptive Ecumenism? by Michele Stopera Freyhauf
When I originally learned about the concept of receptive ecumenism and the movement to more fully reach across lines of faith traditions as a means of ecclesiastical growth, my first reaction was to ask the question – what about women… Read More ›
Encountering "the Change" as a Personal Exodus and Liberation by Michele Stopera Freyhauf
The story of Exodus, through a liberation lens, has different meanings depending on the person's experience in life. I recently experienced my own kind of liberation, a freedom from decades old enslavement. Through this realization, I celebrated with many other… Read More ›
Seriously?! Let's Blame Feminism for the Creation of a "Wimpy" Nation by Michele Stopera Freyhauf
It is so easy to blame feminism for the ills of the world – mainly because of continued misconceptions and misunderstandings about the definition or meaning of feminism. Feminism is responsible for poverty, bad leadership, wars, the polar vortex, the… Read More ›
Three Wishes for the New Year: Peace, Kindness, and Dialogue in the Catholic Church by Michele Stopera Freyhauf
While I sit and write this post, Christmas celebrations are concluded and I prepare, with the rest of the world, to embark on a new year; a year with my idealistic hopes and want for a better future for humanity. … Read More ›
Enduring the Trials of Graduate School: From Conception to Labor Pains and Birth (Revisited) By Michele Stopera Freyhauf
With the new school year in full swing, I thought this post from almost two years ago would be an appropriate reflection, encouragement, and outward support to those returning to school or nearing the completion of their degree. Remember –… Read More ›
Genetic Testing: The Ethical Implications of Expanded Newborn Testing – Who Benefits? (Part Two) by Michele Stopera Freyhauf
With Angelina Jolie's decision to have a double mastectomy due to a genetic test that revealed she carried the BRCa gene, the issue of genetic testing is in the forefront once again. This is the second part of a three-part… Read More ›
Protecting our Families: How the U.S. Falls Short in Protecting New Mothers (and Fathers) by Michele Stopera Freyhauf
Last weekend, I had the privilege of speaking at the National Convention for American Mothers, Inc. about motherhood in the 21st Century. Because this is such a vital issue for mothers that live in the U.S. (since a large majority… Read More ›
Marriage as a Commodity (Satisfaction Guaranteed) by Michele Stopera Freyhauf
This Saturday I will be presenting a paper about Cyberbrides at the United Nations Commission on the Status of Women. While my focus for that paper is the impact on mothers and families, my research also revealed how some Cyberbrides… Read More ›
St. Thecla: Transvestite Saint and Woman Apostle by Michele Stopera Freyhauf
The story of Thecla is an intriguing one – it is above all a story that demonstrates a woman in active ministry – a story that shows a woman as an Apostle. The story found is found in the apocryphal literature called… Read More ›


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Reddit Add Loan To Personal Capital
Established in 2009, Personal Capital is among the first digital investment managers and also our best robo-advisor for portfolio management. Obtained by Empower Retirement in 2020, the company identifies itself with a extensive variety of free money management tools for financial investment administration, retired life planning, and capital. Personal Capital Cash enables any type of U.S. local to access a high rates of interest interest-bearing account with a lineup of complimentary financial services.
Personal Capital Advisors is a full service investment manager and calls for a $100,000 minimum with fees beginning at 0.89% AUM. While the complimentary tools are suitable for any individual curious about tracking their financial resources, greater net worth people as well as families will value the customized financial investment monitoring services in addition to alternative wealth management and Certified Financial Planner access Personal Capital uses. We'll take an extensive take a look at Personal Capital's attributes to assist you decide whether it is a suitable for your monetary requirements.
- Personal Capital is our finest robo-advisor for profile administration.
- Personal Capital provides totally free net worth monitoring as well as retired life preparation software application for anybody.
- Every paying Advisory customer can access a financial consultant.
- Personal Capital gives extensive tax-minimization approaches consisting of tax-loss harvesting.
- Stocks as well as private equity financial investments are available for some Advisor customers.
- Free money management tools
- Customized financial preparation with CFP( R) advisors
- Available live phone customer care
- Easy to use, very easy to navigate site
- High account minimum of $100,000.
- High investment administration cost of 0.89% AUM.
- Calls for a phone call from the firm.
Company Overview.
- Account Minimum$ 100,000.
- Costs$ 100,000 – $1 million: 0.89% AUM First $3 million: 0.79% AUM Next $2 million: 0.69% AUM Next $5 million: 0.59% AUM Over $10 million: 0.49% AUM.
- Goal SettingWork with a monetary consultant to personalize goals.
- Offered Assets ETFs, stocks, bonds, personal equity for accounts above $500,000.
- Rate Of Interest Paid on Cash Balances0 .75%.
- Customizable PortfolioYes.
- Sight Portfolio before FundingYes.
- Consumer ServicePhone support as well as email.
- Financial Advisor AvailableYes. $100,000 to $200,000: team of experts. $200,000+: 2 devoted economic experts.
- Cash ManagementYes: Personal Capital Cash.
- Tax Loss HarvestingYes.
- Outside Account Sync/ConsolidationYes.
- Mobile AppAndroid and iOS.
Account Setup.
To register with Personal Capital you'll supply an e-mail, choose a password, list your contact number, and date of birth. You're called for to schedule a telephone call with a economic expert whether you want just the totally free tools or the consultatory solution. You'll obtain a short biography of your potential monetary expert.
The next step enables you to connect your accounts. This process is safe as well as fast . You can include most monetary accounts consisting of:.
- Financial institution.
- Financial investment.
- Financial debt.
- Charge card.
- By hand gotten in categories.
- Home Mortgage.
After syncing your accounts, you'll have accessibility to the free economic tools and also reports described in detail below. Anyone can access the totally free devices, although just those with a minimum of $100,000 certify to make use of the Personal Capital Advisors financial investment administration with economic organizers.
To register for Personal Capital Advisors, you answer consumption concerns which cover your monetary circumstance, goals, and danger hunger. Your advisor after that reviews your existing financial investments and afterwards offers you with a personal economic strategy. Next off, you'll open your account at custodian Pershing and fund it with money or transfer safety and securities.
Even if you're utilizing the cost-free tools, you can expect a phone call from the company. This may be thought about an inconvenience by some, but it's a small price to spend for accessibility to the robust economic analytical software application.
Objective Planning.
Goal preparation is unique at Personal Capital Advisors and also surpasses marking a box entitled retired life, college planning, or holiday. The goal setting process is personalized and begins with a discussion with your financial advisor after you've replied to the brief survey. Although many capitalists consist of retired life as a objective, any objective can be considered such as saving for university tuition or cash money for a second home.
The customizable Personal Capital Retirement Planner is offered for both paid clients and also cost-free devices customers. This simulator tasks your revenue and spending throughout both accumulation and also distribution phases of life to come up with a sensible assumption of satisfying your long-term retired life demands.
As your objectives and situation evolve, your financial expert exists to direct you as well as readjust your profile as required.
Account Services.
Personal Capital provides banking with no minimum amount and Personal Capital Advisors provides all the solutions offered at a full-service economic planning company. Automated deposits are offered and urged . While margin is not available, 2 revolving credit lines can be accessed. These financings have no arrangement or closing prices, as well as they provide affordable rates of interest.
The Financial Roadmap is one-of-a-kind to Personal Capital Advisors and takes your account as well as finance details to produce a personalized order of business of financial tasks. Topics may consist of items like insurance evaluation, retired life cash flow planning, employer plan evaluation, financial debt administration review, and also a lot more. The checklist progresses in addition to your individual situation.
Personal Capital's economic planning software application is readily available to anyone who enrolls in the platform, whether they use the Advisory services or not. There is no minimum needed to sync your accounts and use every one of the devices.
Tools as well as calculators include:.
- Net Worth Tracker.
- Savings Planner.
- Budgeting.
- Capital.
- Retirement Planner.
- Financial investment Check up.
- Fee Analyzer.
- Education and learning Planner.
The charge analyzer assesses whether you could be saving money on investment charges, while the investment examination evaluates your property appropriation as well as recommends means to enhance returns as well as lower dangers. The retired life organizer permits you to readjust inputs and also check out the success of numerous retired life circumstances. We discovered the devices and calculators to be incredibly handy and also, thanks to account syncing, they provided workable and extremely customized understandings.
Cash money Management.
Personal Capital Cash is a totally free financial savings product with no minimums. After opening up an account, your money is positioned in getting involved participant financial institutions.
- Readily available functions include:.
- High return passion bearing interest-bearing account.
- Person and also joint accounts.
- Bill pay by connecting to your checking account.
- Straight down payment.
- Limitless down payments as well as withdrawals.
Portfolio Construction.
The Personal Capital Advisors Personal Strategy is their customized investment process, embellished for each and every client. The portfolio is driven by the client's reactions to the preliminary survey as well as interview with the financial advisor.
The formula produces the portfolio by integrating the following factors into its estimation:.
- Properties.
- Risk tolerance.
- Time horizon and also objectives.
- Health and wellness condition.
- Tax legislations.
- Tradition objectives.
- Net worth and revenue.
- Retirement age.
- Marital condition.
- Anticipated withdrawal rate, and much more.
So Personal Capital takes a very complete as well as deep check out your finances and specific information when it makes the recommendation. The data synced to Personal Capital and drawn out with the call with the monetary consultant offers Personal Capital more to deal with than the majority of robo-advisors have, and also the design this feeds right into looks to provide even more real diversification than various other robo-advisors with an algorithm based off Modern Portfolio Theory (MPT) alone. The asset allotment utilized in the Personal technique includes differing slices to the following possession courses:.
- U.S. Stocks, including varying designs, dimension, as well as industries.
- International Stocks, consisting of developed and also arising markets.
- United state Bonds, including varied government as well as company of varying credit score quality.
- Global Bonds of differing credit quality.
- Alternatives, consisting of real estate and also assets.
- Cash money.
The Smart Weighting asset allotment varies from various other computerized experts' market capitalization property course weighting, where profile industries replicate those in market-cap weighted indexes like the S&P 500. The firm's clever weighting equally weights possessions based on industry, design, and size . This portfolio building and construction makes every effort to give a higher risk-adjusted return than the marketplace cap-weighted allocation.
Capitalists can choose the core portfolio or a socially liable investing (SRI) option where firms as well as ETFs that represent strong Environmental, social, as well as governance (ESG) factors replace similar funds and also equities.
Readily available Assets.
- Individual StocksYes.
- Mutual FundsNo.
- Fixed IncomeYes.
- REITsYes.
- Socially Responsible or ESG OptionsYes.
- ETFsYes.
- Non-Proprietary ETFsYes.
- Crypto, Forex No.
Profile Customization.
Modification is an location where Personal Capital excels. Driven by the customer as well as monetary advisor, the personalization suits your tax obligation situation and also unique preferences. Customers can ask for unique asset appropriations, the socially accountable choice, ETFs just instead of specific supplies, limited buy or sell lists, replacement ETFs or supplies, special tax-influenced methods, and much more.
Profile Management.
With the papa of Modern Portfolio Theory, Harry Markowitz, on the advisory board, it's no surprise that portfolio's are created along the efficient frontier. Basically, each capitalist profile is crafted to offer the highest possible returns for the given danger level.
The portfolio management is made to fit the individuals objectives as well as choices. Stocks as well as funds are reviewed to make sure that they maximize returns, decrease danger, and also contribute to the profile's diversity. The profile is likewise determined for industry as well as nation concentrations, which adds to the profile's goal of making best use of returns for any provided risk degree. The tax obligation optimization strategy consists of ideal possession location in the most tax-efficient accounts, tax loss harvesting, and picking tax-efficient funds. Local mutual fund and individual safeties can help in tax obligation reduction.
Rebalancing is assisted by modern technology notifies which informs supervisors to adjust the client's property mix. Rebalancing is caused when a client's economic scenario changes, properties drift also much from goal, or a tactical shift in the economic situation.
When required, the development in the direction of goals is reviewed on a regular basis in between the customer and financial expert as well as adjustments are made.
- Automatic RebalancingYes, As needed.
- Coverage FeaturesDashboard, month-to-month statements, tax obligation papers, as well as personalized reports.
- Tax Loss HarvestingYes.
- External Account Syncing/ConsolidationYes-all outside accounts including investment, custom, financial obligation, as well as financial institution are available.
User Experience.
Desktop Experience:.
Personal Capital's platform is amongst one of the most easy to use we've reviewed. The navigation is intuitive with the significant categories listed on the food selection consisting of Banking, Investing, Planning, as well as Wealth Management. The Wealth Management vertical is the client's link to the paid Personal Capital Advisors features with quick access to your advisor and also the educational blog.
The summary tab causes a thorough control panel view with net worth, accounts, investing, and purchases. The investing and planning groups consist of every one of the complimentary money management devices. Banking, as one would certainly anticipate, is the door to Personal Capital Cash.
Mobile Experience:.
The mobile application is readily available for iOs and Android as well as uses account monitoring, Personal Capital Cash, as well as many of the portfolio analysis tools. Like the desktop variation, customers can track money flow, investments, as well as utilize the retirement planning features.
A few desktop attributes are lacking on the app. As an example, the Investment Checkup isn't offered on mobile, as well as individuals that want to open up an account need to do so using the desktop version. In addition, there are some problems with account sync and lack of exact current information reporting, especially on the android application.
Client service.
Customer care is above average at Personal Capital. Users can speak to the business by phone as well as likewise via email. Advisory customers can email and phone their investment agents to schedule either in-person or online conferences. Furthermore, the business has offices in California, Denver, Dallas, as well as Atlanta for in-person financial advisor conferences. The FAQs are extensive and well-categorized . Conversation is not offered.
- Phone.
- Email.
- In-person as well as online conferences with experts.
- Physical workplaces in California, Denver, Dallas, and also Atlanta.
- Comprehensive FAQs.
- No live conversation.
Safety and security.
The platform uses the highest possible security methods. Client login information is encrypted and also not available to business employees.
Security methods include:.
- Two-factor verification.
- Firewall softwares as well as border safety comparable with banks and also repayment cards.
- 256-bit AES information security.
- Daily purchase emails so customers can confirm their own task.
- Personal Capital lugs Securities Investor Protection Corporation (SIPC) insurance policy as much as $500,000 that includes $250,000 for cash money. Several various other companies offer excess insurance to cover firm malfeasance and/or bankruptcy. As is basic throughout the sector, there is no kind of insurance policy that can safeguard your account from losses because of the financial investment markets.
The educational portal blog site is called Daily Capital and also consists of numerous well-written instructional write-ups and also guides.
The subject groups consist of:.
- Personal Finance.
- Investing as well as Markets.
- Financial Planning.
- News.
- Client Stories.
- Guides as well as Reports.
A lot of the short articles are of the actionable selection, answering typical questions like " just how to lower taxable income" or taking market occasions and also dovetailing them into a preferred topic of diversification or concentration threat. They do, naturally, usually end the analysis with a plug for the service. The robo-advisor also releases evaluation of the 401K prepares used by some large companies like Amazon as well as Walmart that are extremely interesting. Amongst this lighter web content, however, are white paper posts that go deeper right into the thinking behind Personal Capital's technique. Sophisticated investors will value the Personal Capital research study and deeper coverage of financial investment subjects.
Commissions & Fees .
Personal Capital's finance software application is readily available completely free as well as is well worth having a look at.
Personal Capital Advisors charges a decreasing fee timetable, based upon possessions under management. There are no commissions or deal fees.
- $ 100,000 to $1 million0 .89%.
- $3 million0 .79%.
- Next $2 million0 .69%.
- Following $5 million0 .59%.
- Over $10 million0 .49%.
The AUM charges are greater than many rivals with financial consultants like Betterment, Schwab Intelligent Advisors Premium, and Vanguard Personal Advisors.
- Management fees for $5,000 accountN/A.
- Monitoring costs for $25,000 accountN/A.
- Management costs for $100,000 account$ 890.00 AUM each year.
- Termination feesUnknown.
- Expense proportions Not published.
- Common fundsN/A.
Last Verdict.
Personal Capital is finest for high-net-worth financiers looking for a well-researched financial investment strategy, qualified monetary advisors, and detailed economic preparation. Investors that could otherwise work with a full-service traditional financial advisor can interview a Personal Capital economic advisor to learn more about their methods to decrease tax obligations as well as outperform a typical market cap weight investment profile.
The huge account minimum puts Personal Capital out of reach for several as a robo-advisor. That claimed, the free portfolio administration devices are the most effective we've discovered and suitable for any type of financier that seeks to analyze and manage their very own financial investments.
Everything You Need to Know About Robo-Advisor.
Our goal at Investopedia is to give financiers with evaluations and ratings of robo-advisors that are objective and comprehensive . Our team of researchers and professional authors, led by Michael Sacchitello, spent months evaluating all aspects of a robo-advisor's system, including the account configuration procedure, goal planning devices, account service options, portfolio building and construction offerings, portfolio monitoring, mobile and desktop computer individual experience, academic content, fees, and also safety. As part of this analysis, we extract critical information points that are weighted by our measurable version that creates a effective star-scoring system.
With the specific capitalist in mind, we've developed a extensive ranking methodology to locate the best overall robo-advisors and the best robo-advisors across nine essential classifications. Each expert is then racked up across several variables to price performance in every appropriate classification. The score for the total award is a heavy standard of the groups.
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Personal Capital Cash enables any kind of U.S. homeowner to access a high passion price savings account with a schedule of totally free banking services.
Personal Capital offers financial with no minimum quantity and Personal Capital Advisors supplies all the solutions readily available at a full-service financial preparation firm. The Financial Roadmap is unique to Personal Capital Advisors and also takes your account and also car loan details to produce a customized to-do list of economic tasks. The data synced to Personal Capital and attracted out through the phone call with the economic consultant provides Personal Capital a lot more to function with than many robo-advisors have, as well as the model this feeds right into looks to provide even more real diversity than other robo-advisors with an algorithm based off Modern Portfolio Theory (MPT) alone. The mobile app is available for iOs and also Android as well as uses account management, Personal Capital Cash, as well as many of the profile evaluation devices.


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Kerala's University College student stabbed: Accused held, but IUML workers protest against SFI outside state secretariat, police resort to water cannon, tear gas
Akhil Chandran, a third year student of Bachelor of Arts in political science, was stabbed twice in the chest by office-holders of the SFI in Kerala on Friday.
IUML workers held a protest outside Kerala Secretariat in Thiruvananthpuram over the stabbing of Akhil Chandran, a student at the University College
Akhil Chandran, a third year student of Bachelor of Arts in political science, was stabbed twice in the chest by office-holders of the SFI on Friday
The police registered a case against seven SFI unit members of the college and 23 unidentified others
Workers of the Indian Union Muslim League (IUML) on Wednesday held a protest outside the Kerala Secretariat in Thiruvananthapuram over the incident in which a student was stabbed at the University College. Reportedly, police used water canons and tear gas to disperse the protesters.
Akhil Chandran, a third-year student of Bachelor of Arts in political science, was on Friday stabbed twice in the chest by office-holders of the Students Federation of India (SFI). A critically injured Akhil was rushed to the Thiruvananthapuram Medical College for treatment, where doctors conducted surgery and put him on life support. He was then declared 'stable'.
Chandran, also an activist with the federation, and a few others were harassed by a group of SFI leaders on Wednesday, who had also raised objections against them singing aloud at a hang-out on the campus.
Indian Union Muslim League (IUML) workers held protest outside Kerala Secretariat in Thiruvananthapuram, today over the incident in which a student was stabbed at the University College, on Friday. Police used water canons & tear gas to disperse the protesters. pic.twitter.com/aBu7zB3nWb
— ANI (@ANI) July 17, 2019
On Sunday, four Students Federation of India (SFI) leaders, accused of stabbing Chandran, were arrested after the police had registered a case against more than eight students and issued a lookout notice against SFI office bearers. Two of the main accused have been identified as SFI college unit president Sivaranjith, unit secretary Nazeem, The News Minute reported.
The report also said that the SFI dismissed the University College unit of the organisation and issued an apology for the incident after students accused the college's unit of the federation of functioning like a 'fascist organisation'.
The police also raided Shivranjith's residence on Sunday, and found four bundles of unused answer sheets of Kerala University, PTI reported. Shivranjith and Naseem are also rank holders in the
Public Service Commission exam conducted for selecting civil police officers (CPO) and were expecting posting soon.
Protests also broke out on Saturday in the college, which is reportedly a 'bastion' of the SFI, when students held demonstrations outside the state Secretariat, alleging that the police failed to immediately arrest the accused who were present on campus after the incident.
Kerala higher education minister KT Jaleel ordered an inquiry by the Director of Collegiate Education into the incident, which has sparked concerns over the college becoming a safe haven for "anti-social elements". The incident also attracted criticism from Congress and BJP leaders in the state.
also read
Case against Kerala CPM leader for threatening police
Police registered a case against CPI-M Kannur District Secretary P Jayarajan for threatening and levelling personal charges against officials investigating a murder.
IUML denounces mouthpiece editorial attacking Antony
Antony's remarks were interpreted by political circles and the media in Kerala as an open displeasure of the functioning of the UDF ministry headed by Oommen Chandy.
Ruling coalition split over banning toddy in Kerala
The Congress and IUML are divided over a recent high court direction to shut down toddy shops.


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A Silicon Valley energy company that lobbied for a last-minute gas ban exemption crafted the policy language it benefited from—with help from Mayor Sam Liccardo's close friend.
San Jose-based Bloom Energy, whose Vice President Carl Guardino is a personal friend to Mayor Sam Liccardo, worked directly with the mayor's office to shape and write a controversial exemption to the city's 2020 landmark ban on natural gas for new commercial buildings, an investigation by San José Spotlight has found. Bloom Energy qualified for the exemption Guardino's company helped write.
Records show Guardino sent at least three emails to Liccardo's office to hash out the policy language—including two on Dec. 1, 2020, just hours before the City Council vote. The language Bloom Energy helped write was added almost verbatim into the law the city ultimately adopted.
The level of access that Liccardo and the city granted Bloom Energy and how the exemption in the city's gas ban was shaped is troubling, said John Sims, professor emeritus at McGeorge School of Law at the University of the Pacific in Sacramento.
"This is a lobbyist's dream—to write up something at the last minute, hand it to the City Council, and have them say, 'Oh, yeah, that looks OK,' then pass it that day or the next day," Sims told San José Spotlight.
The real question, Sims added, is whether San Jose critically analyzed the proposal pushed by Bloom Energy—an energy company with special interests—before voting on it.
"It is very important for the public to know about this because it appears to show that there's not really any deliberation or analysis of the issues going on inside the City Council," he said. "It exposes the shallowness of the City Council's deliberations."
Environmental advocacy groups, who fought hard against exempting gas-powered fuel cells—like those sold by Bloom Energy—from the natural gas ban, say they're dismayed to learn about the company's role in writing the policy.
"This exemption was added super last minute just because one company requested it, and it did not go through all of the vetting process," Linda Hutchins-Knowles, co-founder and volunteer with the Silicon Valley chapter of the climate justice group Mothers Out Front that rallied against the exemption, told San José Spotlight. "One thing that troubles me is the level of influence that Bloom (Energy) had over this."
It's not uncommon for public officials and lobbyists to work together on policies, political experts and ethicists said, but the way the exemption lobbied by Bloom Energy was added—without much public scrutiny—is raising questions and concerns about the city's inner workings.
Shielded emails
Last year, San José Spotlight investigated Bloom Energy's robust lobbying campaign, which heavily involved Guardino and included a slew of emails, phone calls and meetings with city officials in the days before the vote. The company ultimately won the controversial exemption amid the city's plan for an all-electric future.
The newly-surfaced emails between Guardino and Liccardo further shed light on how much influence—and direct say—the energy company had over a public policy process.
And those emails were shielded from the public for more than a year.
Without explanation, San Jose failed to disclose the emails in response to San José Spotlight's public records request for city officials' communications with Bloom Energy in December 2020. The mayor's office this week admitted the emails should have been released in 2020.
"This was an administrative overstep on our part and we are taking steps to make sure it doesn't happen again," said Liccardo's spokesperson Rachel Davis.
Davis claimed the last-minute exemption was necessary to make sure essential services don't go offline during blackouts.
"The mayor publicly urged city staff to work with Bloom and other providers of off-grid power sources in fashioning this ordinance, because many of our labs, dialysis centers, data centers, and hospitals critically need electricity that is more reliable than PG&E can provide," Davis told San José Spotlight. "Our job is to find solutions that work, and that requires working with stakeholders to understand their perspectives and to incorporate them where aligned with our city's goals."
Bloom Energy spokesperson Jennifer Duffourg said the company followed all city regulations and reporting requirements in its lobbying efforts.
"We regularly exchange with local, state, national and international policy makers and elected officials to provide our expertise on energy resiliency and debcarbonization strategies," Duffourg said.
Bloom Energy is a publicly traded company on the New York Stock Exchange.
Guardino's email becomes law
In November 2020, San Jose was wrapping up its three-year-long study process to move new city construction projects toward clean electricity—and away from natural gas. The initial proposal, which did not include an exemption for self-generating power sources such as Bloom Energy's fuel cells, was praised by environmental activists and advocates as an important step to address the climate crisis.
The proposal was crafted with feedback from more than 200 individuals from roughly 65 organizations, city officials told San José Spotlight previously.
But Guardino and Bloom Energy's two external lobbyists, Jim Cunneen and Pete Carrillo, claimed the company was unaware of the city's plan and started calling councilmembers and officials in mid-November to push the exemption for self-generating power sources. Days later, San Jose abruptly carved out an exemption that would benefit the company until at least 2025—without the same level of public outreach or research it did for the rest of the proposal.
Guardino also started sending suggested language to be added, emails show, that was crafted by his company.
"Please find below our suggested language which we believe is good for the city, (its) resiliency, our environment and economy," Guardino wrote in a Nov. 16 email to Liccardo, his chief of staff Jim Reed and senior advisor Scott Green.
Later that day, the city published an updated proposed exemption—one day before the vote on the gas ban was initially scheduled— with new language almost identical to what Guardino suggested. The council opted to postpone the November vote following a swift and fierce backlash from environmental advocates over the new exemption.
City officials with the Environmental Services Department previously told San José Spotlight they reviewed the language sent by Bloom Energy, but declined to say whether the city used it.
Emails also show Liccardo and Guardino's team were still hammering out the final language for the exemption the morning of the vote. Liccardo started an email thread to Guardino, with a subject line that reads "My revision," around 11 a.m. that day, to which Guardino responded that Bloom Energy will get back to the city in an hour.
"I have just forwarded your language below to our General Counsel and our technical team to seek their insights as to whether it meets the resiliency goals that your City and Bloom Energy share," Guardino wrote.
More than two hours later, Guardino responded with more revisions. The suggested language was added verbatim into the city's law that the City Council passed in late 2020.
A lobbyist's dream
Sean McMorris, a policy consultant to watchdog group California Common Cause, said what happened in San Jose is unfortunately how the government works sometimes.
"It's not uncommon for lobbyists to actually craft laws or introduce them to politicians," McMorris told San José Spotlight. "It's not illegal behavior, but transparency is very important so that the public can adequately scrutinize it."
Environmental advocates maintained the exemption is counterproductive to San Jose's goal of a clean future.
The exemption allows gas-powered fuel cells, such as Bloom Energy's, to be installed in new construction in San Jose, even though this requires installing gas lines—which the ordinance otherwise prohibits.
The fuel cells run nonstop on gas, comprised primarily of climate-destabilizing methane, and produce approximately three times as many greenhouse gas emissions than those produced by the mostly renewable electricity from PG&E and the occasional use of a diesel backup generator during power outages, advocates said.
"From a climate standpoint, this was a terrible idea," said Hutchins-Knowles of Mothers Out Front. "And from a good governance standpoint, it was a very bad process. My concern is with the rushed nature and the fact that it wasn't publicly acknowledged that this was really for Bloom."
More than 30 enviromental organizations cosigned a letter in November 2020 urging the city to reject the exemption.
"We did engage in a dialogue, but it did seem like a done deal," Diane Bailey, executive director of local environmental group Menlo Spark, told San José Spotlight. "That was frustrating, because the exemption really runs counter to the city's climate goals. San Jose has taken on a leadership role on phasing out fossil fuel, and I salute them for that, but this exemption was an aberration."
Contact Tran Nguyen at [email protected] or follow @nguyenntrann on Twitter.