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Anaheim White House
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887 South Anaheim Blvd
Anaheim, CA 92805
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$31 to $50
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Anaheim White House Details
Dining Style:
Fine Dining
(714) 772-1381
Hours of Operation:
Lunch: Monday - Friday: 11:30am - 2:00pm; Dinner: Monday - Saturday: 6:00pm - 10:00pm; Sunday Dinner 5:00PM to 9:00 PM Brunch: Sunday: 11:00am - 3:00pm
Payment Options:
AMEX, Carte Blanche, Discover, JCB, MasterCard, Visa
Italian, Seafood
Executive Chef:
Eddie Meza
Dress Code:
Business Casual
Accepts Walk-Ins:
Additional Details:
Banquet/Private Rooms, Fireplace, Full Bar, Gluten-free Menu, Non-Smoking Area, Non-Smoking Restaurant, Patio/Outdoor Dining, Personal wines welcome (corkage fee applies), Private Room, Smoking Area, Weekend Brunch, Wheelchair Access, Wine
White House Catering brings the same degree of excellence to your event, wherever it might be (we've catered as far away as Atlanta, Moscow and even Bora Bora) and whatever the size (whether you are planning an intimate gathering or want to feed a small army in style).
We will work with you and your budget to customize exactly what you want. We know that you will be pleased with the professionalism, attention to detail and unique presentation of what many have come to consider the most trusted name in the catering business.
Visit us at www.whcatering.com or call 714-396-6811.
Private Party Facilities:
The Anaheim White House occupies a lovely 1909 home with twelve different dining areas. From groups of 20, 40, 60, 80, 100 even up to 250 we can help. We offer menus from $28.95 per person. Please contact the restaurant for more information
Private Party Contact:
Julianne (714) 772-1381 x11
Getting there
Cross Street:
Ball Rd./Anaheim Blvd.
Parking Details:
$4.00 Valet parking nightly or Self parking available on adjacent streets. Self parking for Lunch (excluding December and some special event dates).
A word from Anaheim White House
Anaheim White House occupies a lovely turn of the century(c. 1909) home. The menu features fresh seafood and specialties influenced by proprietor Bruno Serato's frequent trips to his hometown of Verona, Italy. Zagat says "Absolutely outstanding".."excellent" Northern Italian fare".."superb service.
. always an experience." The restaurant is included in Epicurean Rendezvous' "100 Best Restaurants in Southern California", received five stars from "Southern California Restaurant Writers" and Best service from "OC Restaurant Association". The wine list features over 200 Californian and European wines.
Foodspotting photos
See all photos >
Awards voted by OpenTable diners
Diners' Choice Winner
Anaheim White House -
Best Restaurants in Anaheim
Diner Reviews
While I can appreciate vintage,
this place needs an update. Food was just okay this time, service was very good but the place was empty."
Dined on 8/4/2014
It was my first time there -
excellent from the napkins, to the service to the fabulous food!"
Dined on 7/22/2014
The way a restaurant is
represented relies a lot on their staff, and the White House has some of the best around. Our waiter (Lucas) was very knowledgeable about every question we had about the menu, and the food was amazing. I would definitely dine here again."
Dined on 7/15/2014
The food (from appetizer to salad
to entrée), service, and conversation with staff is top notch. Bruno does an incredible job of offering the best in class food, as well as ensuring he or his staff attend to each guest to ensure they are satisfied with their dining experience. Because we live in New Jersey, we are limited in the times we can travel to Anaheim so we make sure it is where we dine, the first Friday evening of our annual vacation to the area. We have been dining at the Anaheim White House for the past 14 years and will continue to do so. If you eat deserts, you have to order the Soufflé. Like the entrees and appetizers, the Soufflé is out of this world. Anaheim White House is THE place to go."
Dined on 7/11/2014
We had two seafood dishes (Sand
Daps and Sea Bass) both were spectacular. The presentation of the salads and entrees was exceptional! This will be my favorite restaurant in the Anaheim area."
Dined on 6/30/2014
Started out like it was going to
be a good night. Appetizers were good and so was the wine we picked. Service started to tank after that we were the first party seated the last to get our order and it was incomplete. Then took forever to get bill and pay...it made and okay experience bad. as we were finally walking out bugs were on the floor..big black ones."
Dined on 6/28/2014
We took my son and his girlfriend
for dinner. It was her first visit. The service from the kitchen was AWFUL!!! It took 30 minutes to get our salads. Not sure what happened as the servers would not give any explanation when we questioned why everyone in our room who came in AFTER we did was served their dinners and where was ours. It then took one and a half hours to get our entrees. They brought 2 appetizers to make nice. Plus they gave us one dessert to share. As I said there was no real explanation given. The server at one point retook our orders after bringing us the wrong entrees. Just sorry our guest had a bad first dining experience. Not a good first impression."
Dined on 6/28/2014
Overall experience was excellent.
Food, service, etc. Planning to come back again."
Dined on 6/24/2014
When you want the best, great food
and great service, this is your place"
Dined on 6/20/2014
We make sure our special
occassions are spent here. The staff is attentive, and they made my daughter feel special for celebrating her milestone with them. The food is always perfect, and they know how to do pasta the way pasta is supposed to be done. Simple things are noticed and I can't recommend enough a night at the White House."
Dined on 6/18/2014
I was very impressed with how
their food was presented - they looked good and was delicious too. We went there for lunch and the prices were very reasonable. The filet mignon was served with a foot tall Leaning Tower of Pisa cracker and the white fish came with a huge butterfly cracker. I chose the pre-fixe meal and it came with salad and dessert for less than $20."
Dined on 6/17/2014
Been dining here for over 20
years. Service is always impeccable and the food is always fabulous. Love the house and the history behind it. I was fortunate enough to be able to shake the hand of the great man who owns and runs this amazing place when I came in for Father's Day brunch with my father. Bruno was warm and inviting as always. Thank you Anaheim White House for never disappointing."
Dined on 6/15/2014
Went here for Father's Day Brunch
and had a delicious meal. The only strange thing about their brunch is that you order off a menu; one appetizer, one entree and one dessert and the appetizers are only lunch items. For example; soup, salad, gnocchi, etc so it makes for a strange combination when you order pancakes or waffles."
Dined on 6/15/2014
I had dinner at this restaurant
over 7 years ago and loved it so much that I wanted to enjoy an evening in celebration of our 24th anniversary with my husband. We do not live in the area, so when we planned to be in Newport Beach for a week, I was excited to share an evening there. Upon entering the restaurant ,we were taken aback by the very strong fish odor. It was strong enough that we almost decided to leave. But we decided to stay as we had taken a very expensive cab ride to get there. As the evening progressed, we did enjoy very good service and delicious food, but couldn't quite overcome the strong odor. We did mention it to the gentleman at the front desk when we were leaving. He was very concerned and listened intently."
Dined on 6/5/2014
Love this place! It's great for a
special night out. Staff is stellar. Food is outstanding. "
Dined on 6/3/2014
We went on Sunday and they only
serve their Sunday Brunch, which we didn't know, so the options were limited. That being said, the food was good. Not amazing, but solid. I would like to go back and try it when it is their regular menu. The servers were very nice and helpful when you asked for something and kept the mimosa's coming, however overall service was a bit slow. But we had a special cake and they took care of it for us with out an extra fee and even added a chocolate covered strawberry to everyone's plate. Thank you! "
Dined on 5/25/2014
Musky mildew smell throughout the
restaurant. Decor was nice, service excellent. The wine list is small and unimpressive, not in line with the atmosphere. The dining menu was the same. Good portions, not terribly expensive, but osso was bland, fatty and mushy. "
Dined on 5/24/2014
Interesting is the best word. You
are eating in redesigned bedrooms of the original home. Design is from an older period but that was ok with me. The food and wine are a great variety and the specials were unique and tasty. Osso Buco was my dinner choice which was tasty but not right for my taste buds. Maybe I mixed too many flavors. Can not go wrong with the steaks. I had some of my wife's New York which was awesome. We tried the chocolate mashed potatoes and it did not do anything for us. We left most of it. Again I think we tried too many flavors. If it was just with the salmon as intended I am sure fantastic. We will surely go again and keep the courses more simple. I think we did too much too fast. Service was fantastic!! "
Dined on 5/17/2014
This place was recommended to me
by a colleague and I'm so glad we went. Any place that still serves escargot is awesome. "
Dined on 5/14/2014
We first visited 7 years ago from
Australia and on this visit nothing has changed. The food is still great as is the service and wine list. We felt the signature desert, the JACKIE O was not as good as last time, due to the petite fours not being as good"
Dined on 5/13/2014
I had to send my filet back it was
cold and way under cooked. After paying the 200.00 bill. As we exited I advised the manager and he said Im NOT going to apologize and that my expectations were too high and suggested I should go back to Mortons. I would never go back to the white house. ... "
Dined on 5/11/2014
Food was good and hostess was
accommodating. Had a real mix of service levels by the wait people, pointing to a training or selection issue. Some where friendly and responsive, others acted like they'd rather be at a funeral and forgetful. Only issue with any items brought to the table was that the soup was luke warm and coffee at end of the meal was cold - and I mean COLD.... Food was enjoyable, but for the premium, expect higher caliber wait people."
Dined on 5/11/2014
Felt like a 40 year step back in
time. $50 a person without alcohol. If your 70 plus, you'll love the decor. "
Dined on 5/10/2014
Our first time to this restaurant.
We don't live in the area but were attending the "Stars on Ice" at the Honda Center. The Prime Rib was perfectly cooked to our taste. We had excellent service. Would definitely return on another occasion when I attend another event in the area."
Dined on 5/10/2014
This is a great place to take a
date or to go for a special occasion. The food is wonderful, the staff has good service and the ambiance is terrific."
Dined on 5/4/2014
The smell inside the building
reminded me of a nursing home. Lots of old fabrics are holding in musty smells. Open a window!! Wash the curtains! The good was decent and the service was good but it was hard to notice those things due to the stench."
Dined on 5/3/2014
My husband and I go here a couple
of times a year and the few is always good but this time!! I had the crab stuffed calamari - cooked perfectly and delicious. My husband got the braised ribs - so tender! Service was excellent as usual: they are very good at setting the pace and the right level of attentiveness and they are not stuffy. Love this place. "
Dined on 5/3/2014
Service was seriously AMAZING!!
Everyone was so friendly and kind and made u feel at home. Food was delicious! And the way its served in this fine form was just the cherry on top. The reason im giving 4 stars and not five is because there is absolutely no view. No windows. Nothing. Yes its an elegant place but just not was I expected. All u see is a bunch of people all around you. A bit crowded. Other than that, great!!"
Dined on 5/2/2014
Great experience, drinks were
good, the food even better. Enjoyed the ambiance, if you are in Anaheim, it's a must place for dinner. Coming from the East Coast, it was nice to dine in such a upscale Resturant at a fair price for food and drinks. If we are ever back in this area, we will return for a second visit. Staff well trained. "
Dined on 5/1/2014
The Anaheim White House falls a
little short of being an outstanding fine dinning experience. The ambiance lacked real candles and flowers on the table. The bread was not particularly fresh nor warm. The entrees we had were good but lacked the flavor and flare to make then truly outstanding. The service was very good. Overall the experience was somewhat between good and very good, but certainly not exception. If you are looking for a good meal at a moderately high price, then the Anaheim White is recommended. However if you are looking for a truly exceptionally fine dining experience, look elsewhere."
Dined on 4/27/2014
The hostesses were very friendly,
seated us promptly. The waiter assisted us with the menu, offered suggestions . We had to ask several times for our drinks. Excellent service from the bread waiter and water. Our salads were beautifully served- tasted wonderful. Our entrée was slow to arrive. After serving us our server disappeared, we were unable to tell him the potatoes were COLD and our entrée although very tasty and beautifully presented was lukewarm. He finally came when it was time for dessert. When we told the him, his comment was "we should have told them" "We replied "but no one came over to check so there was no one to tell". . We did have a lovely time, the restaurant was quite so you could visit without shouting. "
Dined on 4/20/2014
interesting and unusual
restaurant. I thought that Brunch was a buffet. but it was a 3 course meal, I came into the restaurant, already disappointed that I will not have too many choices for my brunch menu. The grounds were pretty, but no real grass just turf. reception was warm & friendly. sat upstairs, but it smelled musty. Our waitress was attentive but not very friendly. The menu selection was not special, just normal fare, but had flair in the presentation with a replica of the Tower of Pisa and a big butterfly made of dough to decorate the plates. food was lukewarm. small portion. Dessert was a choice of sliver of cake , small cream puffs or marmalade crepe which was too sweet. a Place where you go once and don't return."
Dined on 4/20/2014
My daughter and I went to the
White House for Easter brunch not knowing it was prix fixe. I was a expecting a"traditional" brunch where you have a large variety of foods to choose from. The selection was pretty good considering it was three courses. I was pleased to have (possibly the owner or chef or maybe he was one in the same) stop by our table to greet us and ask how the meal was. The food was great and the presentation was beautiful. I would recommend dining here. The ambience is definitely reminiscent of old world Italy."
Dined on 4/20/2014
The brunch menu looked very
attractive. Indeed, the appetizers and entrees created great expectations. Sadly, the food was mediocre. The salads were quite ordinary--the ceasar, for example, was flavorless. The prime rib was lacking in flavor and loaded with fat and gristle. The peppered hanger steak was devoid of any pepper and was tougher than that cut of beef should have been. The stuffed chicken breast was quite good, however. All entrees were accompanied by flavorless (probably instant) mashed potatoes. Desserts were O.K. but nothing special. Service by a young and enthusiastic staff was excellent."
Dined on 4/20/2014
The food was great as was the
service. It's a special occasion type of place. I had read about the decor being over the top. It's their theme. It's a restaurant! Decor was interesting and made for conversation. I'd go back (I'm not eating the decor, it's about the good food.)"
Dined on 4/19/2014
We went there for this special
occasion. We have been there before. It is well known in the Anaheim area. They support needy families."
Dined on 4/12/2014
The house itself is a bit unusual.
It has a quintessential Italian American feel but very very overpriced. I am fine with paying a expensive bill for a great meal and experience. I did not think this was worth the money."
Dined on 4/8/2014
Food, ambiance and service were
all top-notch! And to think a portion of what we paid goes to help homeless kids makes it even more outstanding!!"
Dined on 4/7/2014
Awesome. Escargot was some of the
best I've ever had. Stuffed calamari steak and filet were awesome. Great service. Great management. We will return."
Dined on 4/5/2014
I set a birthday dinner with my
family and a couple friends for my wife hoping for a memorable evening. We were not disappointed. The food, Service and Ambience were fantastic and made our evening very special. The steak and beef items on the menu were truly worthy of the Zagat's highest ratings while the seafood entree's were equally delicious. The presentation of the dishes were exceptional and the service was impeccable. The wine list was full of fine Italian and California wines with a wide range of prices from very affordable to moderately pricey. We luckily went with the "Bruno Selection" 2008 Valpolicella Superiore a wine that the owner Bruno Serato personally selected from a friends winery in the northern Italy region. Grazie Mille"
Dined on 4/3/2014
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text:
Town Square
Not Yet Are We a Godless Nation!
Original post made by Marvin on Apr 6, 2013
Although the North Carolina House of Representatives killed a bill Thursday that would have paved the way for establishing an official state religion, a new national YouGov poll finds widespread support for doing so.
The new survey finds that 34 percent of adults would favor establishing Christianity as the official state religion in their own state. Thirty-two percent said that they would favor a constitutional amendment making Christianity the official religion of the United States. Twenty-seven percent said they thought President Barack Obama is the antichrist.
Republicans were more likely than Democrats or independents to say that they would favor establishing Christianity as an official state religion, with 55 percent favoring it in their own state and 46 percent favoring a national constitutional amendment. "What I like about Christianity is that it is a violent religion that justifies American exceptionalism and forcible intervention virtually anywhere in the world," stated Marco Rubio, a Republican from Florida.
Jeff Sessions, Republican Senator from Alabama, seemed to echo the sentiments of his constituents: "Back when Christianity was more highly valued in this great country, people knew their proper place. Then we had the march of godless immorality in the form of Civil Rights marches; and today we have the godless, immoral homosexuals trying to destroy our great Christian legacy."
And Senator Rand Paul, a Republican from Kentucky, then added: "But Jeff, there's no stopping it. The country is departing from Christian ways and most Americans will soon be Muslims, especially the way things are going under our current Muslim president."
The relatively high level of support for establishing Christianity as a state religion may be reflective of dissatisfaction with the current balance of religion and politics. Respondents to the poll were more likely to say that they'd rather be ruled by their Christian evangelical pastor than by the current scourge upon this land, Barack Obama.
on Apr 6, 2013 at 12:23 pm
Marvin you and Donald Trump need to get another life!
on Apr 6, 2013 at 12:44 pm
This "article" is dripping with opinion and not fact. 34% say they want Christianity as a state religion? Maybe in a conservative state, but not in CA. More than 1/2 of Americans approve of Gay marriage (see recent Time article). Highly doubt that 1/2 would want to force a religion on someone else.
And if Rand Paul truly made the comment about President Obama, then he's a bigger idiot than I originally thought. He will never hold a position outside of his state.
By the way, founding fathers were not nearly as Christian as everyone likes to think. President Thomas Jefferson, author of Declaration of Independence, studied all religions. And since many of our founding fathers owned slaves and felt women should not be allowed to vote, I'm not one to think we should go back to the old ways.
on Apr 6, 2013 at 1:34 pm
I think someone needs to check his records. Obama is not a muslim.

subset: commoncrawl


text:
- Report: #1046296
Report - Rebuttal - Arbitrate
Complaint Review: McDermott and Clawson
McDermott and Clawson1700 W. Katella Ave, Suite 300 Orange California 92867 Orange, Encino, California United States of America
McDermott and Clawson BE-AWARE IF THIS COMPANY IS REPRESENTING YOUR WC INS.. Orange, Encino, California
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OR if you are an injured worker please don't be frustrated with this company, I will tell you why.....
This company, this "so called" "law office" is a fraud, the attorneys are a fraud, they will do as much bribery possibly, and lies and fabricate just to bully you to drop your case they use anyone and everyone to do this, As an injured worker know your rights, no attorney from this law firm has the power the manipulate your case, or threaten you in malicious, unethical ways to cause damage to you case. The two I've dealt with are Mimiran and Raheb. And a very unfair Adjuster Diana Sullivan( ADMINSURE)
Be careful when answering questions, check you deposition transcripts record EVERYTHING, eventually this office they will get caught, ask other firms about there reputation you'll see what I'm saying, they will lie, they will get your employers to lie, they will do anything possible to make sure you don't get treatment, or get your injuries legally covered , YOUR A TAXPAYER YOUR A WORKER IN CALIFORNIA don't ever allow anyone to take that away from you, right letters to the LA COUNTY BAR< or STATE BAR< write letters to the Commissioners to the Workers Compensation Board. EMPLOYERS THIS IS NOT FUNNY !!!!
Be careful they will set up and threaten you with committing workers compensation fraud, even when your sitting there with no benefits and a clear injury from work, they will make up lies about you not getting injured at work or make lies your weren't at work, Of course this is for injured workers, so make sure you keep everything, if you get involved in a suit with this law firm, don't worry one day they'll be shut down, and out of business, they will be filing for workers compensation for who knows what, I wouldn't be surprise if psych is one there, and no being crazy and sacrificing injured people is not funny !!!for all the KARMA they'll be getting from what they do.
If your an employer choosing this law firm, I don't want to work for you, because I would know my rights my civil rights, my WC rights will not be respected in the case I were to be injured at work, of course most of us don't know who our employers work with, but as an employee now my eyes are open, as a worker I need to know that my company has me protected, we don't want injuries, but we don't want to be left to take care of injuries on our own when we are paying taxes, have appropriate and legal workers comp coverage and working in California. ADMINSURE is the company they represent.
PLEASE PLEASE DON"T WORRY ABOUT THIS COMPANY THEY ARE NOT WINNERS, THEY CAN POSSIBLY HAVE ASSOCIATIONS WITH WC JUDGES SO BE CAREFUL OF THAT. If you feel something is not going fairly on your case which has happened to me, talk to someone, tell a attorney, tell your local WC office, tell the state, even you feel the judge is unfair tell someone. Be aware PLEASE BE AWARE and CAREFUL when dealing with this office.
Injured California Worker
This report was posted on Ripoff Report on 04/25/2013 08:05 PM and is a permanent record located here: http://www.ripoffreport.com/r/McDermott-and-Clawson/Orange-Encino-California-90011/McDermott-and-Clawson-BE-AWARE-IF-THIS-COMPANY-IS-REPRESENTING-YOUR-WC-INS-Orange-Enci-1046296. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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text:
User Reviews & Ratings - pantoprazole Oral
Read user comments about the side effects, benefits, and effectiveness of pantoprazole Oral.
Overall User Ratings168 Total User Reviews
User Reviews
Learn about
User Reviews
Reviewer: 55-64 Female on Treatment for 2 to less than 5 years (Patient)
Ease of Use
Reviewer: delrocks, 65-74 Female on Treatment for less than 1 month (Patient)
Ease of Use
I get periodic bouts of acid reflux w/severe gas. I was taking Zantac with no luck, so my doctor gave me this. After 7 days, I'm much better but don't want to be on it more than 10 days. I've gotten bad lower abdominal cramping/gas, & don't know if it's from this drug so I will stop it in a couple days to see. I've had no other side effects.
Reviewer: 65-74 Female (Patient)
Ease of Use
Reviewer: 55-64 Female on Treatment for 6 months to less than 1 year (Patient)
Ease of Use
used otc meds for years but condition eventually got very bad. Started pantoloc and have had great relief. There are a few side effects as described by others but the benefits outweigh them.Its great to not wake up in the middle of the night with burning pain in my throat back and chest.
found this review helpful.
Was this review helpful? Yes | No
Reviewer: 45-54 Female on Treatment for less than 1 month (Patient)
Ease of Use
Have extreme nausea from acid reflux. This medication helped the nausea but gave me severe diarrhea.
found this review helpful.
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BEIJING (Nov. 13, 1:25 p.m. ET) — Beyond dealing with an economic downturn and much tougher government regulations aimed at cutting pollution from their factories, China's plastics recyclers are also trying to sort out a family squabble about who can best represent the industry.
This in-depth report analyzes economic and market trends, legislative/regulatory activity impacting supply and demand, business opportunities and threats, materials pricing, manufacturing technology, as well as growth strategies being implemented by thermoformed packaging companies.Learn more
U.S. demand for extruded plastics is expected to grow by 3 percent in 2014, with PVC remaining the largest segment.
Plastic pipe will post the strongest gains through 2018, continuing to take market share from competing materials in a range of markets.
Our latest market report provides in-depth analysis of current trends and their financial impact on the pipe, profile and tubing extrusion industry in North America.
In the wake of the economic turbulence earlier in this decade, molders today find themselves in much better shape. Molders are gaining a competitive advantage by investing in people, equipment and seeking inroads into new markets on a global scale.
Growth in the injection molding industry is going to be driven by low financing costs and a continued move to reshore some business.
September 10, 2014 - September 12, 2014Plastics Caps & Closures 2014
January 14, 2015 - January 14, 2015Plastics in Automotive
February 4, 2015 - February 6, 2015Plastics News Executive Forum 2015More Events


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Cream Cheese Black Forest Brownies Recipe
A brownie mix and canned pie filling help me fix these layered bars fast. Everyone loves the combination of chocolate and cherries.Heidi Stouffer, Bradford, Ontario
- 1 package fudge brownie mix (13-inch x 9-inch pan size)
- 1 package (8 ounces) cream cheese, softened
- 1/3 cup sugar
- 1/2 teaspoon vanilla extract
- 1/3 cup heavy whipping cream
- 1 can (21 ounces) cherry pie filling
- 2 ounces semisweet chocolate
- Prepare and bake brownies according to package directions. Cool on a wire rack. Meanwhile, in a large bowl, beat the cream cheese, sugar and vanilla until smooth. In a small bowl, beat cream until stiff peaks form; fold into cream cheese mixture.
- Spread over brownies. Top with pie filling. In a microwave, melt chocolate; stir until smooth. Drizzle over brownies. Refrigerate for 10 minutes or until chocolate is set. Yield: 2 dozen.
Originally published as Black Forest Brownies in Country Woman March/April 2005, p35
Sweet White Wine
Enjoy this recipe with a sweet white wine such as Moscato or a sweet Riesling.
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Welcome to akpinarmd.com, a website designed to inform patients and their loved ones about what may be the most effective, least invasive surgical treatment option available today. Here, you can become better informed about different approaches to surgery. This knowledge will be valuable as you discuss treatment options with your doctor.
Detaylı Bilgi İçin


text: This is Zazzle's whole ornaments page, where you'll find a unique assortment of whole ornaments set up for customization or purchase. Zazzle's premium ornaments are made of metal and printed in unlimited colors. Personalize ornaments for yourself, or for family and friends. Upload your designs at no cost! To browse more products, please take a look at our main whole section.


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Take Advantage of Classes Near Your Home or Workplace
Take general education classes required for a degree or classes in your major at Anne Arundel Community College's Arundel Mills facility.
If you live or work in the western part of Anne Arundel County, you can start or continue your college education by taking courses conveniently located at nearby Anne Arundel Community College at Arundel Mills Regional Higher Education Center.
Register now for any of the 167 courses offered at Arundel Mills for the spring term that begins in January. Courses include general education requirements needed to complete a degree and transfer, such as "History of the United States 1 and 2" (HIS 211-212), "College Algebra" (MAT 131), "Personal and Community Health" (HEA 111) and basic science classes and labs.
Students also can delve into their major. Choose classes in business administration, computer technologies, electronic engineering technology, human services, law, criminal justice and homeland security, physician assistant, teacher education or visual arts. English as a second language and developmental classes in English, math and reading also are available.
Registration is under way. Classes begin Jan. 18 for the 15-week session, Jan. 30 for the 13-week session, and Jan. 18 and March 12 for the eight-week sessions. Visit www.aacc.edu or call 410-777-AACC (2222) for information.
The Regional Higher Education Center includes offices for the AACC University Consortium, five four-year institutions which partner with AACC to allow residents to pursue a bachelor's or master's degree by taking classes without leaving the county on the Arnold campus, at GBTC or at Arundel Mills. Visit www.aacc.edu/rhec.


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Main Content
This 365-Day daily desktop calendar features 312 tear-off pages of NASCAR Facts & Trivia. (Saturday & Sunday is combined). Think you know all there is to know about NASCAR? This calendar is the perfect gift for even the biggest fan.
What makes this product "Green"? The calendar is printed on FSC-certified paper using environmentally safe inks.
What makes this product "Green"? The calendar is printed on FSC-certified paper using environmentally safe inks.
- 312 Tear-off pages(Saturday & Sunday combined)
- Daily desktop calendar for 2013
- Full-color images
- Made in China
- Officially licensed
- Printed on FSC-certified paper using environmentally safe inks
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Comments about Time Factory NASCAR Facts 2013 Daily Desktop Calendar:
bought late in the year just to read the facts
- Sizing:
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Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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San Francisco Giants vs. St. Louis Cardinals
When: Monday, October 22 at 8 p.m. ET on FOX
Starting pitchers: Matt Cain vs. Kyle Lohse
Matt Cain posted another strong campaign as the horse of San Francisco's rotation, but he has run into some difficulties in October. If his recent trends continue, St. Louis can expect to score three runs off Cain. The Reds touched the righty up for six runs in 10⅔ innings in the NLDS, scoring three runs in each game, and the Cardinals plated three against Cain in Game 3 over 6⅔ innings.
Meanwhile, Kyle Lohse is coming off a career year on the mound, and he has carried that dominance into the postseason. In his lone start against the Nationals in the NLDS, the righty held Washington's offense to just two hits and one run (off a homer) in seven innings. Though he was not nearly as sharp against the Giants in Game 3, Lohse reeled off 5⅔ innings of one-run ball. However, he allowed 12 baserunners on seven hits and five walks.
Matt Holliday, who is already dealing with a balky back, will find no relief facing Cain. Holliday has more at-bats than any other Cardinal against Cain, but in 50 trips to the dish, Holliday has come away hitting .186/.260/.419. Three of his eight hits are homers, but he also has 11 strikeouts. Carlos Beltran, who is also recovering from an injury, has fared much better against the Giants' righty; he has hit Cain to the tune of .368/.429/.737 in 21 plate appearances.
Ryan Theriot could be looking forward to seeing Lohse on the rubber; the infielder is a career .545/.545/.818 hitter against the righty, with a pair of doubles and triples to beef up his slugging. Hunter Pence, who has had a disastrous series at the dish, might pick up some slack on Monday. In 52 plate appearances against Lohse, Pence has hit .280/.308/.360 with two doubles and a triple.


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A documentary presented by the Victoria Advocate
A documentary presented by the Victoria Advocate
The Victoria Advocate explores the power of hope through a series called "A Father's Strength" and through a feature film, "Breadth of Hope," on Fox and two other families struck by the disease. ALS, also known as Lou Gehrig's disease, usually kills within about two to five years.
The disease is particularly cruel because its victims' minds have a ringside seat to the fight their bodies inevitably lose. From the Foxes and the other families, though, we learn truths about childhood and fatherhood, about family and faith, and about love and hope.
[x] close
[x] close
Part 7: Despite disease, father finds love
March 2011
Part 8: Pneumonia brings grim reality
April 2011
Part 9: Week takes Fox family from home to hospital
August 2011
Part 10: Story carries on after his death
August 2011
Part 11: Family, friends celebrate life
August 2011
Part 12: Children become each other's strength
November 2011
Part 1: Family provides support and hope
October 2009
Part 2: Disease doesn't stop Christmas
December 2009
Part 3: They come for support, treatment and hope for a cure
January 2010
Part 4: Daughter races for a cure
March 2010
Part 5: Father's Day filled with love, hope
June 2010
Part 6: Son, father find different vehicles for living with deadly disease
November 2010


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I completed another page the other day. This one is for the oldest child of Henry Highland Corel and Nancy Matney, Sarah Jane Corel. Sadly, there isn't really a great deal on this page, but I did think that since I had found some possibilities, it might be good to throw them out there. Who knows who might be able to make a connection or prove that there is no connection.
I'm moving a bit slowly, and for that I apologize. I seem to have that common genealogist attention deficit disorder! (For those of you who don't know, the truly funny part is that I do have ADD and even with meds, staying on track when researching is next to impossible!) I start out with the very best of intentions, then something will catch my eye that will have me looking at other lines and not the one I need to be working on! At least I am still getting some things done tho, right? I just looked back and I am proud to say that since the 20th of January (when I returned to working on this site) through this week, there has only been one week where I did not make a blog post. Several weeks I've had more than one post, so I guess that it is good that I'm at least sticking to it!
I've been gathering information on the Salathiel line, which is the line of Henry Highland's third child, Jemima Morris Corel who married John Morgan Salathiel. I have found some recent obituaries from this line, as well, through Jemima and John's son Charles who moved to Oklahoma. I have tried to reach out to one descendant from this line, but have not yet heard back anything. This descendant didn't have anything further back than Charles' son Clarence. Perhaps he was a bit overwhelmed by how much I was able to offer!
Well, that is all that is going on this week. I hope that everyone is enjoying the first week of June!


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|American Water Ski Educational Foundation (AWSEF)
Dear Friends,
Did you know that the sport of water skiing traces its roots back to 1922 when Ralph Samuelson first strapped on a pair of homemade skis? That was almost 90 years ago. Since 1968 the American Water Ski Educational Foundation, AWSEF, has been in existence with its mission to preserve, collect, and exhibit various elements of the sport for the purposes of research, education, and inspiration at it's headquarters in Florida.
Specifically AWSEF
AWSEF is currently conducting a special fundraising raffle offering a grand prize of $10,000. Other tickets drawn can possibly win cash from $50 up to $1000. Only 1000 tickets have been printed for the drawing which will be held on Friday November 12, 2010 at the Water Ski Hall of Fame in Polk City, Florida. Tickets can be purchased for $100 each and a form is attached to this email.
Click here for raffle form
Please consider buying a raffle ticket and a membership if you're not already a member. The cost of membership is as low as $25, it's tax deductible, and your membership and donation will go a long way towards maintaining the history and legacy of the sport that so many of us passionately enjoy.
Click here form membership application
Paul Chapin
White Bear Lake, Minnesota
Hall of Fame Selection Committee member


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Rush County Highway Department employee Eric Elwell sustained what were described as minor injuries when the plow on his county truck rolled underneath the vehicle as he plowed CR 400E in Washington Township shortly before 11 a.m. Tuesday.
A second party reported the accident to the Rush County Sheriff's Department and units from Raleigh, Glenwood and the RCSD responded to CR 400E north of CR 800N.
Investigating officer deputy Steve Houston said that as a result of multiple sub-freezing days followed by melting, many county roads are experiencing damage.
"A softened roadway was a factor in this accident," Houston said.
While plowing CR 400E, a section of loosened asphalt dislodged and was pushed by the plow attached to the front of the sand truck Elwell was driving.
The added weight of the asphalt and sub-road surface coupled with the force of the moving vehicle caused the blade to roll under the truck, which then went off the east side of the county road.
Following treatment at the scene, Elwell was transported to Rush Memorial Hospital for minor injuries.
Contact: Frank Denzler @ 765.932.2222 x106


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New Swinley Forest "Deathly Hallows" Set PhotosDH Film
February 13, 2010, 03:25 PM
A Leaky reader has been able to capture some remarkable new images of the the construction in the Swinley Forest area of Berkshire, England where filming for "Harry Potter and the Deathly Hallows" appears to be gearing up. These new photos, which can be found in our Image Galleries right here, show the construction at the site at an even more advanced stage than previous images. The wood structures surrounding what appears to be a stone covered entrance have been applied with a green screen, while various production equipment, including lighting towers and a crane, has been stationed at the site. A pair of scaffolding towers have also been placed at the site, as have barriers, which prohibit access to the area.
If any readers are able to capture additional images from the site, please do send them to email@example.com. Many thanks for emailing!


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Postma Returned To Wolves
The Atlanta Thrashers have reassigned defenseman Paul Postma to the Chicago Wolves.
Week In Pictures
This week in pictures features photos from the home games against Milwaukee, Manitoba and Peoria.
Atlanta Recalls Maxwell
The Atlanta Thrashers have recalled forward Ben Maxwell from the Chicago Wolves.
March 9 vs. Peoria
Check out photos from the March 9 game vs. Peoria.
Hungry, Hungry Hump Day - March 2011
Check out photos from the fifth Hungry, Hungry Hump Day of the 2010-11 season.
Wolves Come From Behind To Grab 3-2 Shootout Win
ROSEMONT, Ill.---The Chicago Wolves came from behind to tie the game with two seconds left in regulation and came away with a 3-2 shootout victory over the Peoria Rivermen at the Allstate Arena Wednesday night.
Wolves Recall Krug
The Chicago Wolves have recalled defenseman Matt Krug (KRUHG) from the ECHL's Elmira Jackals.
Atlanta Calls for Postma
The Atlanta Thrashers have recalled defenseman Paul Postma from the Chicago Wolves.
Chicago Wolves forward MIKE DAVIES will make appearances at two Chicagoland libraries to close out the 16th season of the "Read to Succeed" program, presented by Butternut Bread, Pace and Vista Health System.
Wolves Set Playoff Roster
The Chicago Wolves have announced their 2010-11 Clear Day Roster, which consists of 20 skaters and two goaltenders.


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The Thomas C. Sweetser, Jr. Memorial Scholarship Fund is growing thanks to a gift from his wife, Mildred Sweetser.
The fund, which provides financial aid to students in the College of Natural Sciences, Forestry, and Agriculture, was established in 2004 to honor Sweetser, who died in April of that year. A 1950 UMaine graduate, Sweetser earned a bachelor's degree in agronomy, and spent more than 30 years with the UMaine Cooperative Extension Service as a county agricultural agent, educator, and research and development coordinator.
In April, 2009, Mrs. Sweetser decided to commemorate the fifth anniversary of her husband's death by donating $5,000 to his scholarship fund.
"Dad would be thrilled. He loved the university and felt strongly about public education," said Sweetser's daughter Barbara Lovley, who graduated from the University of Maine in 1998 with a master's degree in special education and is an adjunct professor for UMaine. After participating in the Maine Literacy Partnership Program on the UMaine campus, she earned certification as a literacy coach and now teaches UMaine graduate courses to teachers at Fort Kent Elementary School.
Her father talked often about his undergraduate years at the university, according to his daughter. "The farm" was the center of all activity for the agricultural students, he would say, referring to what is now the Page Home Farm Museum. His fondest college memory was "socializing with my fellow aggie students." A loyal alumnus and advocate for the university, he urged his former classmates to "participate in UMaine reunions and other functions. Remember our classmates and stay in touch with each other as best we can."
Tom Sweetser thoroughly enjoyed working as an extension agent, providing practical solutions based on university research, and answering people's questions about gardens, farming practices, and pest management, his daughter said. He received a master's degree in sociology from North Caroline State University in 1972 and continued at UMaine as a community research and development coordinator.
Even after he retired in 1987, he and Mildred often would spend Sunday afternoons "riding around the university and seeing what was going on," Barbara recalled. "He was always interested in keeping up to date with UMaine. He and Mom frequently attended performances at the Maine Center for the Arts and hockey games at Alfond Arena."
Her father was delighted when her brother enrolled at UMaine, Barbara said. Thomas Sweetser III graduated in 1979 with a degree in chemical engineering and now works at Temple-Inland in Orange, Texas. Barbara's oldest son, Shawn Lovley, earned a mechanical engineering degree from UMaine in 1998. Another son, Seth Lovley, plans to continue at UMaine in the fall, completing his program in civil engineering.
"UMaine has become something of a family tradition," Barbara said. "Dad would like that."
May 29, 2009
Image Description: Thomas Sweetser, Jr. at Eagle Lake. The Thomas C. Sweetser, Jr. Memorial Scholarship Fund is growing thanks to a gift from his wife, Mildred Sweetser.


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Airbnb's tax and tenant law violations headed for hearings
As Airbnb continues to avoid making any public comment on the $1.8 million annual Transient Occupancy Tax obligation to the city that it appears to be dodging, with the complicity of the Mayor's Office, Board of Supervisors President David Chiu is getting closer to introducing legislation to regulate so-called "shared housing" and holding public hearings on the issues it raises.
In addition to the tax issue, there are concerns that Airbnb, VRBO.com, and other Internet-based sites that facilitate short-term rentals of San Francisco apartments are increasingly being used to circumvent local tenant protections, often after evicting tenants from the apartments using the Ellis Act. That state law allows owners to leave the rental business and convert to other uses, and landlords can argue that Airbnb is a commercial use and not a residential use.
"I've been deep into a lot of these issues in my conversations with a lot of community stakeholders around Airbnb and the area of shareable housing and I'm hoping very soon to have a package of proposals in this area. And at that point, we'll have public hearings on the topics that you describe," Chiu told us when we asked about the tax and tenants issues.
Among those involved in Chiu's negotiations with Airbnb is Ted Gullicksen, executive director of the San Francisco Tenants Union, who says the negotiations have been slow-going but he's generally happy with how they're proceeding and hopeful that the resulting legislation will rein in rampant current abuses of zoning, tax, and other regulations that city officials have been ignoring.
"All you have to do is sit in front of the computer for a few hours and you can identify a lot of the lawbreakers. But there's no enforcement by the city," he said, noting that the Tax Collector's Office is the notable exception among city departments, such as the Planning and Building departments. "The taxes shouldn't even be an issue because they're illegal uses."
For example, while landlords may be able to get around rental restrictions triggered by an Ellis Act eviction by calling the use for shared housing websites "commercial," that's usually a violation of local planning codes prohibiting commercial use of residential property. Chiu's legislation approved late last year banning "hotelization," in which entire apartment buildings are cleared of tenants and rented out on a short-term basis, allows nonprofit groups like the Tenants Union to help enforce the ban.
"We've been researching the buildings we want to go after with complaints and lawsuits," Gullicksen said. "It's a pretty widespread problem."
He said the VRBO.com appears to be a bigger culprit in terms of being used by landlords to avoid tenant protections than Airbnb, whose hosts are evenly split between tenants and landlords. But as the biggest shared housing service in San Francisco, the tax issues are bigger for Airbnb and the city.
"We don't mind the limited use of someone's principal residence for short-term rental, where we're concerned is about the whole buildings," Gullicksen said.
Whether the issue is avoiding taxes or circumventing tenant protections, the complicated issues surrounding shared housing are long overdue for some public discussions and scrutiny, and it sounds like that's what we're see later this spring or summer.
There is a world of difference between Ellis'ing a building and then using it do short-term rentals, versus someone occasionally doing short-term sublets of their own home.
The problem I had with Steven's original message on this was that he failed to make that crucial distinction.
That said, I seriously doubt that many Ellis'ed buildings are run this way. For a start it would require them to be in good condition, and fully furnished and equipped, which Ellis'ed buildings typically are not.
Second, having invested the money to Ellis a building, the ROI is far higher to just sell/TIC it than mess around with an endless array of short-term tenants - running a BandB is hard work and most owners just want to Ellis/TIC/sell - that's where the money is.
And of course, even is something comes of this, not a single extra unit of affordable housing will be created. It might create more affordable ownership opportunities, however.
He's been clamoring for decades to overturn Ellis. What he's trying to do here is allow the SFTU a place to "monitor" those who Ellis-evict tenants, for who knows how long, and then sue them so the Tenant's Union can add to its revenue stream.
As always - it's about the dollars.
It doesn't matter how strict rent control becomes. The stricter it becomes, the more owners simply Ellis, to which there is no defense.
The irony is that we only have Ellis because people like Gullicksen took rent control too far. If they'd been content with a more moderate and reasonable rent control, there would now be no Costa-Hawkins and no Ellis - the two weapons that kill rent-controlled tenants.
So yeah, he can nibble around the edges and be content with crumbs, but he knows he has lost the war. And he only has himself to blame.
The strategy will backfire. Many small property owners will not subject their property to the current long term rental regulations. Most will just TIC/Condo or Ellis/TIC.
On the bright side, this could be the catalyst for raising the SF home ownership percentage. Most of the short term units will become owner - not tenant - occupied.
Raising the homeownership rate is likely to increase the unemployment rate. Look at the latest research on this. Homeownership is not the civic virtue that realtors, like many of the commenters here, want everyone to believe. It's time for us all to let go of this mindless dogma.
Places with lots of homeowners tend to be more successful and prosperous.
My understanding is that an Ellis Act eviction is allowed only when an owner PERMANENTLY removes the building from the rental market. The re-rental prohibition also applies to subsequent owners and applies to both short-term and longer-term rentals.
What appears to be happening in some cases is that owners either lied about agreeing to prohibit future rentals, or subsequent owners are not following the permanent Ellis Act deed restrictions prohibiting future rentals. In either case, the short-term rentals violate the Ellis Act. We have to wonder where the local DA and state AG are in all this since it appears land owners (former landlords) are intentionally thumbing their noses at the state law, even though they used the state law to evict tenants in the first place.
The BOS hearings are a good start, but since it appears blatent violations of state law are occuring both Kamala Harris and the local DA should be pursuing these cases with their fullest efforts. Let's remember there were hundreds, if not thousands, of tenants evicted from San Francisco under the Ellis Act. If there was deception and fraud in some of these eviction cases, then there should be applicable fines and penalties, and tenants should be contacted to see if they want to re-rent the units at the former rent price.
First off, the restrictions are temporary, expiring partly after 5 years and entiurely after 10 years. So if the Ellis was more than 5 years old, re-rental at a market rent is possible.
So Ellis really just removes a unit off the market for 5 to 10 years. What an owner does after that is unrestricted, except for a bar on condo conversion.
Also, you should be aware that criminal counts are rarely pursued for landlord-tenant infractions. Rather, that is left to the civil courts, where an evicted tenant may have standing to sue his former LL is and only if the unit is re-rented before the 5/10 year sunset.
All that is moot if short-term lets are deemed to be in violation of Ellis. Rentals of under 30 days are not covered by rent control anyway, and are deemed instead to be transient stays. The city appears to be arguing both that that is both a hotel (we want our hotel tax) AND as a rental (violation of Ellis?)
I suspect they cannot have it both ways.
Finally, if an owner Ellis'es a unit and then takes it over as his eprsonal home, then he can rent out rooms in that unit without violating Ellis.
The headline of this piece is:
"Airbnb's tax and tenant law violations headed for hearings"
AirBNB's tenant law violation? Can anyone name ONE time that AirBNB violated a tenant law? That's a serious charge, can anyone name one instance?
My guess is that Steven is referring to landlords/hosts who may have used AirBNB to operate in a gray area, but that is a completely different situation. If I rob a jewelry store and drive away in a Toyota you can't talk about Toyota breaking the law.
So can anyone name ONE tenant law violation committed by AirBNB or is this headline just another example of Steven Jones nonsense?
Anybody? One? He does claim to be a journalist, you know.
AirBnB sublets are not violating rent control.
Some are trying to argue that it is a "change of use" but that is a stretch. It's still residential.
Others claim that if you OMI or Ellis, then you should not re-rent but, again, does an out-of-town guest staying for a night constitute a rental?
I think Steven was on safer ground with his tax idea than seeking to stretch city laws to somehow suggest that I cannot have overnight guests in my own home.
You need a conditional use authorization with a hearing before the Planning Commission to convert residential uses in residential neighborhoods to hotels with 5 or fewer rooms.
See Section 209 of the SF Planning Code.
The fact that I sometimes have short-term paying guests in my home does not imply a long-term structural change of use from home to hotel.
You're making the same mistake as others here, i.e. failing to draw a distinction between a 1,000 room Hilton hotel and a private home that sometimes has overnight guests.
The planning code specifies that a hotel use differs from a residential use because the hotel use is a transient residence.
The planning code distinguishes between small and large hotels and allows small hotels in most residential districts, provided the owner seeks a conditional use authorization for a change of use.
Most AirBnB is occasional. So maybe sometimes I let out my spare bedroom. Or, twice a year when I go on vacation, I have a guest stay. Or when I go away for a week-end, I do a short let.
So there is no permanent, structural change of use, requiring any kind of permit. Rather, the place remains a home of mine, which is occasionally loaned out to someone else.
You might have a point if I wanted to create a full-time, permanent hotel operation, but that is far from the case here.
The planning code is clear on this.
between a hotel and someone sub-letting part of their home. That's a loophole I could drive a muni bus thru, and explains why it is not enforced.
So if you pay someone for house-sitting while you're in Hawaii for three weeks, you have to register your home as a hotel? I really don't think so.
When I read the title I figured that Steven meant a)the AirBnB tax issue, and b) tenant law violations (generally speaking, not necessarily ABnB)
laws. We see this in many forms and it is the inevitable result of those restrictions being too burdensome and confiscatory.
At least with short-term rentals, the property is still being used to provide rental housing. Wheras with Ellis, TIC, condo conversions and change-of-use tactics, the homes cease to be rentals altogether.
What we really need hearings about is not to create even more rules and restrictions, but rather to determine how our existing rules drive out rental housing.
"In addition to the tax issue, there are concerns that Airbnb, VRBO.com, and other Internet-based sites that facilitate short-term rentals of San Francisco apartments are increasingly being used to circumvent local tenant protections, often after evicting tenants from the apartments using the Ellis Act."
Is there any evidence of this? Or is it just Gullicksen's concerns?
have to be a plaintiff with standing to file a lawsuit and then engage in discovery. That takes money, given that a lawyer would only take a case on contingency if it is open and shut, which this clearly is not, since people are still arguing over what law applies here i.e. is it a hotel or a rental?
In any event, I suspect that very few Ellis'ed buildings are used exclusively for AirBnB type sublets, since that requires the units to be fully fitted out, furnished, equipped etc just like you were running a real B and B. It makes far more sense just to TIC/sell rather than all that hassle.
The vast majority of AirBnB hosting is small owners and renters making a little money on the side, like Steven.
If there is no evidence, then the statement in the article is misstating the state of events.
political capital?
Surely not!
The same article talks about the 'complicity' of the Mayor in nefarious events, which sounds quite damaging. And for proof...they link to the last time they made the same claim. Evidence? We're Progressives....we don't need no...'evidence'.
It seems that Steven cannot decide whether he is attacking the Mayor, AirBnB or the people acting as hosts and not paying the taxes, which of course many people who do that outside of AirBnB.
Focus here might help.
By comparing the address of units rented through Airbnb, VRBO.com, and other Internet-based sites that facilitate short-term rentals to the list of addresses where Ellis Act evictions occurred will turn up situations where Ellis Act has been used to fraudulently evict tenants.
I suspect the hearings may include making sure that any units being rented through Airbnb, VRBO.com, and other Internet-based sites are inspected first for health and safety considerations. I hope the hearings also address the need for citywide registration of all rental units so that the city has better information about how its valuable rental stock - especially its priceless rent-controlled housing stock - is being used, and that any transient occupancy tax is being collected and remitted to the city.
records of a private corporation, that presupposes that there is already a plaintiff with a cause of action. That would, in most cases, be a tenant who somehow discovers that a unit that he was Ellis'ed from is now being used as a vacation home. Hard to discover in the normal course of events.
The SFTU publishes lists of addresses that have been Ellis'ed or OMI'ed and tenants evicted from those places are encouraged to keep tabs on them. But the vast majority of such evictions are genuine, and tenants who discover otherwise already have a remedy - they can sue for wrongful eviction.
Your other ideas are so seriously whacked out and improbably that they look like nothing more than a fishing expedition. Such an approach to hearings would take away any cfedibility they might otherwise have.
The vast majority of Ellis evictions lead to the creation of a TIC, and there is nothing the city can do to prevent that. So no wonder you are grasping ats traws.
Since the SF Tax Collector is charged with collecting tax it must have a list of every unit that has been rented through a short-term rental service like Airbnb. It would be impossible for the Tax Collector to audit any tax due the city without looking at such a comprehensive rental list. It's easy enough to compare this list to the separate list of Eliis Act and OMI evictions. If there appear to be any matches, those cases can be forwarded to the DA's office for possible fraud prosecution. Prettty simple, really.
If I advertize my flat for $100 a night on CraigsList, and you accept that deal, how does the City know anything about that?
The IRS might, assuming of course that I declare that income. Maybe the CA FTB. But there is no way the city will know unless I volunteer that information.
And again, I am not aware of any legal obligation AirBnB would have to hand over their records, absent a court-approved subpoena, and for that there would need to be a filing and/or probably cause.
Lose/Lose. David Chiu will anger both tenants and property owners - both benefit from short term rentals.
Because somewhere in SF there MAY be the odd Ellis'ed building operating as a de facto B&B, many tenants and lower-income homeowners who rely on a little extra occasional cash from this to help keep SF affordable, will be punished.
No good deed ever goes unpunished and, once again, the zeal of a few rent control bigots and land use ideologs ends up hurting ordinary San Francisans.
Housing economics is a "zero-sum" game. When a landlord gets higher rent from a tenant, the tenant family will have less to spend on other goods and services, which means less ,income to local shop owners. When a developer makes a few extra millions from their development project, this means families will be paying a higher purchase price, leaving less money in their pockets too. These same principles apply to Ellis units that are being re-rented: families lost their housing that are being used for lucrative income from short-term rentals.
The issue being discussed here concern housing units where familes were evicted based on the (apparent) lie that the building would no longer be used for rental housing. But now we're finding out the land owner is getting income from the unit, and yes a short-term tourist is getting a rental unit during their stay in SF, BUT tenant famlies were evicted (perhaps illegally) so that the landlord and the short-term visitor could benefit.
I'm glad Supervisor Chiu is standing up to the building owners who evicted families from San Francisco and then turned around and rented the same units as short-term visitor housing. And apparently many of these same bad actors aren't even paying the transient occupancy tax on the short-term rentals.
The Chronicle wrote a story about these tax evaders last April. Almost one year later we're finally getting some hearings to understand the extent of the issue and what the various city agencies are doing to counteract the Ellis Act fraud and transient occupancy tax evasion. The hearings may be about 12 months late, but at least it looks like they are finally taking place.
Your idea appears to be that the pizza is always a fixed size, so that if I have a bigger splice, you must have a smaller slice.
That ignores the fact that a bigger pizza can be baked. And that is exactly what happens when the SF economy grows.
And a growth in the SF economy occurs when a low-wage worker leaves (perhaps because he was evicted; perhaps for another reason) and a higher-wage worker takes his place. That leads to more productivity, more tax revenues, more growth and more prosperity.
Since your entire comment is built on the premise that pizza pies only come in one size, and that premise is false, the conclusions can be dismissed.
The vast majority of vacant units in SF happen not because of evictions (only about 1,000 per annum, and mostly for cause) but by natural turnover. If a property owner then decides to not seek a replacement long-term teants, but rather extract value from the property in some other way, you should not blame that property owner, but rather the punitive rules that make such behavior inevitable.
The economics related to the production of goods and services is very different from land economics. To see this most simply, consider a 20% tax on the receipts from pizza sales (or any good or service) and a 20% tax on rent income. In the first case, assuming perfect competition where the price of goods and services are fairly priced, the 20% tax will be added to the selling price. But in the case of rents, the rent price is already as high as someone is willing to pay, so the tax doesn't affect the rental price whatsoever. In the first case the consumer is burdened with the new tax; in the land rent case the landlord is burdened with the new tax.
The distinction between land economics and the more general economic issues involving the production of goods and services is not always well understood. Both sides of the aisle often confuse the two. The landlords like to confuse the issue since it's in their self interest to be looked at as "capitalists," when if fact they are not not "capitalists" at all since they don't produce any goods and services but merely collect rent income from the ownership of property. The "progressives" confuse the issues because most of them have an economic IQ of about 17 and an arrogance IQ of about 180.
less people will buy pizza. If rentals cost 20% more, then less people will rent. They will either buy a home or move somewhere else. you imply costs make no difference - not true.
There's another problem too. If pizza suddenly costs 20% more, whether for a tax or anything else, then less people buy pizza, and then pizza bakeries close.
If taxes on rent make renting uneconomical for a landlord, he will simply close down, just like the pizza bakery. This raises the cost of rent (pizza) for everyone else.
Capitalism is the employment of risk capital for profit. The same definition applies whether a material product is produced or not. Financial invesment is simply another form of service. Since tenants canot afford to buy a home, they have to rely on someone else who can, and pay a rent for that privilege. Nothing immoral about that, unless of course you think you should free accomodation.
You mention "supply" without considering what's happening on the demand side. With an increased pizza price, I may buy the same amount of pizza, but buy less of something else, or spend the same amount on pizza but get less of it. In both cases the pizza owner continues to supply pizza and may even sell more pizza if higher prices elsewhere make consumers buy lower quality food such as pizza.
If a landlord "shuts down" the building and land still reamin for someone to use, unlike when the pizza maker shuts down and the supply of pizza is reduced altogether. Again, there's a world of diference between land compared to the production fo goods and services.
If all of the pizza makers closed up shop and left town, the production of pizza in the city would collapse. But if all of the landlords left town, the land and buildings would still remain for city residents to use. Big difference.
And "investment" is not a "service" - it's ownership. Services involve labor, whereas a land owner collects rents regardless of any labor services provided. Almost every commercial lease is "triple-net," meaning the landlord only supplies the air and walls, with the tenant responsible for the insurance, taxes and whatever is put within the walls.
(except for the continual erosion into the sea, and the odd earthquake) what matters much more is the utilization of that land.
So, in your ridiculous example, if a new 20% tax was levied on rents, then there are only two realistic outcomes:
1) The extra cost is passed on, in which case it is the tenant's problem.
2) The extra cost cannot be passed on, in which case the LL's ROI becomes sub-optimal, and he quits the business. In practice, in SF, this means Ellis/TIC or TIC/Condo.
Result? Less rentals and more owner-occupied units. Great for tenants who want to buy their first home and seek an affordable option. Bad for lifer tenants who see supply gradually dry up and rents increase ever upwards.
It's insanity to think that taxing rentals will somehow create more affordable housing. It's the exact opposite. You are motivated by nothing more than envy for and hatred towards those who make more than you.
Provide housing is a service. Even the Rent Board descibe landlording as the provision of "housing services".
There shouldn't be any reason why a new tax on rental income couldn't be appplied only after a vacancy occurs. That way, whatever tax applied would be included in the total rent price offered by the landlord. A 5 year phase-in works too, using the current Rent Board process available to landlords for claiming increased costs.
ROI never becomes "sub-optimal," even when an investor can make a higher return elsewhere. Every asset is worth something based on its cash flow. A 10% or 20% tax on rent income will not sway an owner to Ellis a building or not. A speculator can make millions Ellising a building, which is far greater than the effect a rents tax would have on landlord net income. Besdies, all local taxes are deductible by landlords and businesses at the state and federal level, so the net cost of any tax is only about 50 cents on the dollar.
Taxing rents instead of labor is far better for the economy and for working families since there is more money circulating for productive, job-producing goods and services. For-profit landlords serve little purpose to society other than make housing costs increase, suck more of the GNP into their bulging pockets, and evict tenants when the building is more valuable as a different use. Fortunately for landlords, federal and state politicians are on their side, and "progressives" are so busy focused on corporations that they're mostly oblivious to the vast amount of wealth extracted from society by landlords and property speculators.
have no interest in pursuing, perhaps understanding better than you that anything that increases the costs of providing rental housing harms tenants. Tenants have to rent but nobody is forced to be in the landlord business.
And that is where "optimal ROI" comes in, a concept that you clearly do not understand. Let me explain.
If I have, say, a million to invest, then I clearly can elect to invest that in various ways. For instance, in the long-term equities return about 10% per annum, require no effort, and are taxed at only 15%. Given that, why would I invest in SF RE unless the return was more than that? Why would I retain SF RE unless it continues to return more than 10%?
Now, as it happens, that has been the case. The rental building I bought for 500k in 1998 is now worth 1.5 million 15 years later. That's about 7.5% pa compounded. Throw in a rental yield of, say, 5% pa, and we have 12.5% pa.
That's 20% above the return I could have gotten on equities, but of course I took more risk and expended more effort, so that "bonus" is necessary.
Take away that 20% and there is zero reason to choose SF RE. Which means Ellis. Which means less rental housing.
This stuff really isn't that complicated.
If you're going to use numbers, at least make sure you don't look like a fool since numbers don't lie except when being used by liars.
Guest (anon) wrote:
"Now, as it happens, that has been the case. The rental building I bought for 500k in 1998 is now worth 1.5 million 15 years later. That's about 7.5% pa compounded."
I seriously doubt the investor paid cash. Everyone knows that ROI is based on "cash invested compared to cash harvested." 3rd party loans are not part of the ROI equation.
I'll be generous and say that 40% of the $500,000 purchase price was a downpayment, so $200,000 cash down and a $300K loan. If 15 years later the building is sold for $1.5 million, that's a $1 million profit (ignoring any loan principal paid over the period - it doesn't change the ROI calculation very much anyway.) That's a gross ROI of 500% ($200K becomes $1M), divided by 15 years is roughly > 33% ROI, not the 7.5% Guest (anon) stated (ignoring annual compounding which doesn't change the calculation much.) Assuming a more typical 20% downpayment, the ROI is based on $1M profit on a $100K downpayment, or a 66% ROI ($1M / 15 yrs), again ignoring compounding.
Anon is always posting here using math incorrectly to prove a point. It looks like the SFBG now has another math liar on the board now too.
Now as to the point about a $10K or $20,000 annual tax on rents somehow making landlording unprofitable or forcing TIC sales. Even over the 15 year period, if Guest (anon) paid $20K of a annual rents tax, that's $300,000 total over the 15 year period. But Guest (anon) would have given up $1M of capital gain appreciation if they sold rather than pay the rent tax. Landlords and developers aren't stupid. If there is a potential $1 million capital gain over 15 years available, even if they have to pay a $300,000 rent tax (fully deductible at the state and federal level so the net tax is only 50% of the total paid), there will be hundreds of other land speculators who would buy the building, being very happy with a $700,000 gain.
Very few families see their net worth increase by $700,000 over a 15 year period. Even with a 10-20% rent tax, the landlord/speculator makes a huge profit, but the city would have a much fairer tax system that used the community land value (rent) to pay part of the city's pressing budget needs. Since it's the overall community that creates the land value in the first place, it's an equitable tax since it recyclyes some of the land wealth back to the community.
All of this ignores the point of the SFBG article. Does the Mayor Lee administration support tax cheats like Airbnb, and is this how he plans to govern over the next 6 years by coddling the very wealthy and tax cheats?
The ROI of a business doesn't change much whether you use cash, debt or equity - that is more a funding question. Cash has an opportunity cost and debt interest has an interest cost. I tend to use the same numbers for both, so ROI isn't affected.
You changed your argument half way thru there, from quibbling about what my ROI is to discussing whether my ROI is fair. Well, "fair" is a subjective notion and so has no place here. I think my return is "fair" given the risk, hassle and effort involved. Someone else might think I could have gotten the same ROI elsewhere, and with less risk or effort, and they may be correct.
And that is the real point. It doesn't matter whether my profits are "fair" or "unfair", but it is does matter whether I choose to buy a SF property and use it as a rental or not. And anything that impacts my ROI makes it less likely I will run a rental. You may think a 300K tax on that will make no difference but that is naive.
I have a required after-tax ROI and I will find it, either in SF or elsewhere. Your mythical tax on rents is not on the table and is a joke, but if it were to ever happen, you'd need to repeal Ellis first, otherwise a significant percentage of SF's rentals would vanish in about 120 days - the notice period for an Ellis eviction.
If you tax applied, either it would be passed onto tenants or it would lead to less rentals, meaning higher rents. So, either way, a tax on rents will drive up rents, as everyone understands except for you.
To the last, AirBnB isn't cheating on tax as they are not required to pay a hotel tax, because they are not a hotel. Assuming the city thinks that occasional sublets are a hotel, and I do not, they should chase after the people who do it, most of whom I suspect are tenants.
Look at your property tax statement and you will see two figures - one for the assessed value of the building and one for the assessed value of the land.
Do you really think the city could ever resist taxing anything? Especially something like land that cannot be easily moved to a lower tax jurisdiction?
Even if I demolish my building, I still pay tax on the value of the land. Maybe a landslide is the only way to avoid that.
Follow the money, ladies and gentlemen. Airbnb is the plaything of Ron Conway--huge contributor to Run Ed Run, huge contributor to anti-Olague campaign, and personally slightly to the right of Genghis Khan politically. He's buying the city's politics and masquerading as The Holy Tech Guru for Lee's fantasy city of never-ending tech enlightenment and unlimited tech goodness. When you want to secretly exercise political power (outside the view of the electorate) you set up nonprofit corps-in Conway's case corps that issue study after study "showing" the supreme advantages of tech investment and how one job in the tech sector creates 4.6 jobs elsewhere-Look to Steve Cohen in New York and what his hedge fund managers concocted. Conway's on that same path-why else is he allied with Thomas Coates, a real estate mogul so stupidly vicious that even a pragmaitist like Gavin Newsom had to disavow him.
but tragically lacking in substance or relevance.
What you think of Lee's pro-jobs policies is irrelevant, for one very good and clear reason. Lee stood for mayor on exactly that platform and won handsomely. He therefore has a clear mandate to pursue policies that generate prosperity and no reasonable person can argue against that.
As for AirBnB, it's physical presence in SF is irrelevant since, as an internet business, it really doesn't need to be anywhere. If SF punishes it, then it will simply rematerialize elsewhere. Or lose business to it;s rivals domiciled in other locations.
The massively profitable online gambling business is located 100% outside the US, because the US imposes punitive laws, restrictions and taxes on it. Result? We lose all that business to offshore.
You guys are lost back in time somewhere, and just do not get it.
Very few federal laws protect a company from escaping applicable local taxes wherever they might do business. If a company is profiting from renting out SF real estate, whatever they call themselves ("agent," "service provider," "facilitator", etc.), the company is going to be liable for any tax that applies. Collecting tax can be a problem sometimes, but I trust the City Attorney and DA will be able to haul the executives into a CA court and make them face justice, or the courts will close down their business activity in CA. Tax evasion is not looked at too kindly by the courts, even those populated with conservative jurists.
profits on internet gambling, which are all based offshore?
Answer, not at all.
And if the IRS cannot do that, why would some shmuck in the SF tax office be able to, with a fraction of their powers and resources?
That's the problem, you see. AirBnB does not need to have a physical presence anywhere, not in SF, not in CA, and not even in the US.
Punish AirBnB for committing to SF and you send the world the message that businesses should go elsewhere. And they will.
You're applying 19th century theories to a 21st century economy. Won't work.
>"If a company is profiting from renting out SF real estate, whatever they call themselves ("agent," "service provider," "facilitator", etc.), the company is going to be liable for any tax that applies."
Really? So I pay you a $100 fee to set up a meeting between me and Warren Buffet, and at that meeting he agrees to buy my business for a billion dollars. He even sends you the billion dollars first so that you can deduct your $100 and send me the rest.
So you are the "agent," "service provider," "facilitator", etc.
And you are now responsible for paying all the taxes on a billion dollars.
If this tax nonsense proceeds, then the booking should be outsourced to a call center some place far away, and the high value part - hooking up the host and the guest, would be discretionary only.
It's easy to figure a business mdoel thatc an circumvent a hotel tax because, in essence, the idea is flawed and inappropriate.
Are you really arguing that Airbnb should simply become a criminal enterprise, hiding from regulation and tax debts like an online gambling company? Is this where the high tech economy is headed? Where's your sense of civic responsibility?
rather you think they should collect the taxes on behalf of those who (allegedly) do owe them.
I can see why that would be an administrative convenience for the city. But I do not see why AirBnB should be put at a comparitive disadvantage relative to other intermediaries who are not located in the city and therefore could not be compelled to make such collections.
I'd also like to see a court case tod etermine whether casual use of one's home in this way constitutes a hotel in any normal, reasonable sense of the word.
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text:
Unleashed for the re-election campaign, the bombastic blowhard Joe Biden earlier this year advanced what he thought was a clever bumper sticker for the 2012 Obama-Biden ticket: "Osama bin-Laden is Dead, General Motors is Alive."[1] As the Vice President explained at a fundraiser in Florida two months ago: "It's a metaphor for our foreign policy and our domestic economic policy."[2]
I can think of slogans that would do a better job of capturing the essence of the Obama administration. How about "Thousands of Innocent Afghans and Pakistanis are Dead, but the Executives of Lockheed Martin are Thriving"? (We can substitute Goldman Sachs Exxon, JP Morgan Stanley, The Boeing Corporation, and numerous other corporations for Lockheed Martin). Or "Half the County is Low-Income.[3] But Luxury Goods are Flying Off the Shelves?"[4]
A Mafia-Style Hit
But let's leave campaign catchphrase-making to others and focus on the supposed great achievements Biden wants to emphasize. The killing of Osama bin-Laden one year ago is hardly something to hold up for admiration. It was a Mafia-like "revenge killing" (Noam Chomsky) carried out in brazen defiance of international and Pakistani law. Unarmed and cornered by 79 Special Forces commandoes in criminally invaded sovereign Pakistan, bin-Laden could and should have been detained for trial in accord with established international rules. Instead he was summarily shot to death in what was clearly a planned execution. His body was dumped in the sea in a major insult to Muslim burial rituals and despite legal requirements for a post-mortem examination. The cold and criminal nature of the killing was captured nicely by the headline atop a news account in Lebanon: "The Execution of Bon-Laden: A Settling of Accounts Between Killers." [5]
But I cannot wonder if there was more at stake than revenge and politics (the Obama team expected to receive a significant approval boost from rubbing out the empire's official leading public enemy) in the rapid creation and disappearance of bin-Laden's corpse. A trial might have involved unwanted discussion of matters that the masters of the American Empire would prefer kept in Orwell's memory hole, including Osama's onetime service in the U.S. war on the Soviet Union and the fact that he attacked the U.S. not because al Qaeda "hated our freedom" but because it hated America's many-sided and mass-murderous imperial role (inherited from the British) in the Middle East and Muslim world.[6]
"Not Something You Might Have Expected from an Administration Elected With Union Support"
What about the rescue of General Motors? Leaving aside the eco-cidal madness of Washington investing in the mass carbon-emitting automobile industry while doing nothing or close to it for the green production and transportation conversion America and the world urgently require, it too was a sordid affair. The White House's restructuring plan for the auto industry in 2009 included letting the company raid union pension funds to pay off wealthy Wall Street investors and permitted General Motors to double its car production for the U.S, market in Mexico, South Korea and China.[7] Under the terms of the bankruptcy settlement that the administration and its "car czar" Steven Rattner worked out with General Motors at the end of May 2009, the company was permitted to grab workers' pension funds to pay off greedy financial investors who had long advanced the offshoring of American production.
The finance-friendly worker-screwing deal went through, with the administration attacking labor to a degree the auto corporations dared not go by themselves. Looking back on the big auto bailout months later, the New York Times chief financial columnist, Floyd Norris, marveled at how the Obama administration was "teaching capitalism to the carmakers." Back "in the bad old days, when supposed capitalist were running Detroit," Norris wrote, the auto industry relied on expanding volume through price cuts and "sweet lease deals," all designed to maintain cash flows and preserve market share. Faced with a "powerful" union (the UAW), the big three automakers supposedly (by Norris's account) failed to focus on capitalist profitability, which would have required closing plants and firing workers. The situation was being corrected by the Obama administration, falsely accused of "socialism." As Norris explained: "The result was a lot of job cutting, not something you might have expected from an administration elected with union support [emphasis added]. The unions lost their generous pay for laid-off workers." [8] In the Obama version of state capitalism as applied to the auto industry, the state was more ruthlessly capitalist than the capitalists themselves.
Empire, Eco-cide and Inequality at Home and Abroad
The capital-friendly, labor-attacking auto bailout was rolled out in a season when the president's aides defended him against the charge that he was "wimpy" in confronting powerful institutions by praising him for "picking fights" with "main components of the Democratic base, like organized labor"[9] – as if American unions instead of giant multinational corporations and high finance were the real source of money and power in Washington. At the same time, Obama's tepid and undersized 2009 stimulus plan was dysfunctionally overloaded with business-friendly tax cuts and egregiously short on labor-intensive projects to put people to work right away. The president said nothing about the overdue labor law reform he had campaigned on, the Employee Free Choice Act, which would have been at the heart and center of any reasonably progressive economic recovery program. Revealingly enough, Obama made a public visit in support of his stimulus bill to a Caterpillar factory in Illinois. It was a slap in the face of two groups—the Palestinians and U.S. organized labor. A provider of bulldozers equipped and used by Washington's hyper-militarized Middle Eastern client state Israel to raze Palestinian homes to make way for illegal Israeli settlements (itself a major problem behind the Islamist rage that helped fuel al Qaeda's attacks on the U.S.), Caterpillar had been the first large U.S. manufacturer in decades to break a major strike with scabs (in 1992)[10] – an action that earned it special notoriety in American union circles.
Talk about an apt "metaphor for our foreign policy and our domestic economic policy" – a policy of bloody militarism and petro-imperialism abroad and savage inequality and union-busting at home. Reliance on eco-cidal energy use patterns (whose promise to eliminate the human species along with many others is mere cost externality to the business elite) is a common thread across both "our" foreign and "our" domestic policies.
There's a curious footnote to this squalid story. The administration's efforts to spark renewed expansion of the insanely dangerous and expensive nuclear power industry may have been stymied by its recent success in increasing domestic national gas and oil production (through environmentally disastrous means) and by the Fukushima nuclear disaster last year.[11] The Japanese disaster did grant one great benefit to the Obama campaign, however. It crippled Japanese automakers enough to let General Motors claim that its gas-guzzling products were number one in the world auto market last year.[12]
Paul Street ([email protected]) is the author of many books, including Empire and Inequality: America and the World Since 9/11 (Paradigm, 2004); Racial Oppression in the Global Metropolis: A Living Black Chicago History (Rowman&Littlefield, 2007); and The Empire's New Clothes: Barack Obama in the Real World of Power (Paradigm, 2010).
[1] Dave Boyer, "Biden: Put Osama Obama's 2012 Bumper Sticker," Washington Times, February 24, 2012, read online at http://www.washingtontimes.com/blog/inside-politics/2012/feb/24/biden-put-osama-bin-laden-obamas-2012-bumper-stick/
[2] Steve Benen, "Biden's 10-Word Pitch," The Maddow Blog (February 7, 2012) at http://maddowblog.msnbc.msn.com/_news/2012/02/07/10343098-bidens-10-word-pitch
[3] CBS News, "Census Data: Half of U.S. Poor or Low Income," December 15, 2011 6:25 AM at http://www.cbsnews.com/8301-201_162-57343397/census-data-half-of-u.s-poor-or-low-income/
[4] Stephanie Clifford, "Even Marked Up, Luxury Goods Are Flying Off the Shelves,"
[5] Noam Chomsky, "The Revenge Killing of Osama Bin Laden,"
[6] For honest and intelligent discussion of that role by no less an authority than the CIA's former top al Qaeda's analyst, see "Anonymous" (Michael Scheuer) Imperial Hubris: Why the West is Losing the War on Terror (Washington D.C.: Potomac Books, 2005).
[7] Floyd Norris, "
[8] Floyd Norris, "
[9] David Herszenhorn and Jackie Calmes, "Despite Major Plans, Obama Taking Softer Stands,"
[10] "A New Labor Movement?" International Socialist Review, Issue 1 (Summer 1997), read at http://www.isreview.org/issues/01/new_labor_movement.shtml; Noam Chomsky, "Crisis and Hope: Theirs and Ours," Boston Review (September–October 2009), at http://bostonreview.net/BR34.5/chomsky.php. Chomsky noted the two-pronged nature of the insult.
[11] Rebecca Smith, "Cheap Natural Gas Unplugs U.S. Nuclear Revival," Wall Street Journal, March 15, 2012, read online at http://online.wsj.com/article/SB10001424052702304459804577281490129153610.html
[12] Peter Suderman, "Obama Rails Against Bailouts in Speech Defending Auto Bailout," Reason (January 25, 2012) at http://reason.com/blog/2012/01/25/obama-rails-against-bailouts-in-speech-d