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DSU Gala Raises Record Amount
The annual Dakota State University Foundation scholarship fundraising gala brought people from Madison, Sioux Falls, the surrounding areas and as far away as Arizona, together for a record-setting fundraising event July 9. Final tallies show the event raised over $33,000 for scholarships at Dakota State. The event included both live and silent auctions, raffle items, dinner and dancing.
"We owe thanks to so many people for helping make this event successful including our Gala co-chairs Nini and Jim Hart and Alice and Maury Poppen, our generous donors, and the many guests who attended the Gala," said Judy Payne, DSU Vice President for University Advancement.
For over 25 years the DSU Gala has served as the premier fundraising event for Dakota State. Payne says due to the variety of gala themes, entertainment, and items available for auction, the event is becoming more popular. "Our mission is to raise scholarship money for deserving students. It is especially gratifying when we can accomplish that while giving our guests a fun and memorable experience." Payne credits the auction for a large portion of the gala's success. "We had wonderful donations for the auction from business people, individuals, and alumni from here in Madison, Sioux Falls, Arizona, even North Carolina. We were able to offer items to gala guests that were unique and that generated a great deal of pre-event interest."
Facilitated by auctioneer Wayne Bessman, 17 items were sold during the live auction. Another 42 items were sold during the silent auction. Many of the items were one of a kind, including original artwork. Other items included trips to golf resorts, sporting events, and use of vacation homes. Over 50 items were included in the raffle.
Gala attendees and DSU alumni Chad and Molly Knutson of Madison left with several auction items, and a sense of contributing to their alma mater. "We both received scholarships as students so we understand the need to raise money for other deserving students," says Molly. "That is one of the reasons we attended the Gala. The other is that it is really a fun time!"
The date for the 2011 Gala is set for July 22.
Pictured is auctioneer Wayne Bessman leading the gala guests through the items available for bidding.


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Reviews of new shows at As Issued in Costa Mesa, Salt Fine Art in Laguna Beach and GCS Santa Ana.
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Various shots of LongboardingThis photo was shot on film. Taken by jbeischer with a Lomo LC-Wide (available in our Online Shop) loaded with Lomography X Tungsten (35mm) film (available in our Online Shop) in Bournemouth, United Kingdom. These tags describe this photo: longboard, longboarding, fun, friends, hot, sun, sunny, beach, people, street, road, board, wheels, hill, slope, x-pro, jbeischer, bournemouth, tungsten, and lc-wide. Date: 2012-06. Time: Afternoon. This photo can also be found in the album Longboarding, SRocket & LC-W.
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When it comes to Flyers hockey, there's no bigger fan than you. Show your fanaticism for your Flyers in this Neo hat from New Era! It features embroidered team logos along with a stretch fit and a contrast bill. There's no denying that Philly has the best fans in hockey! Size S/M fits 6 7/8 - 7 1/4; M/L fits 7 1/4 - 7 5/8; L/XL fits 7 5/8 - 8. Sizes are approximate.
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Return to the Mystery Dungeon for an all-new story as the ever-evolving franchise brings a new story rife with new challenges! Shiren the Wanderer was last seen navigating auto-generated dungeons all the way back on Nintendo 64. Shiren and his friends are back, and this time, they're headed to a mysterious mansion, guided by a magical key held by Sensei, Shiren's teacher and uncle. Get ready to navigate advanced dungeons filled with new systems, like the Item Growth System, and new monsters. The mystery is deeper than ever.
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GamesRadar Review (6.0 out of 10)
Mystery Dungeon: Shiren the Wanderer An old school, turn-based dungeon crawler, for better or worse An update of a Super Nintendo Entertainment System title, Mystery Dungeon: Shiren the Wanderer is an old-school, turn-based dungeon-crawler. It's slow, intense, and unfor...more
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Do you like RPGs with meat? Then get this game. (10 out of 10)
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4 out of 4 gamers (100%) found this review helpful
Member since Aug 2009
4 out of 4 gamers (100%) found this review helpful
Mystery Dungeon: Shiren the Wanderer is not your typical RPG by any stretch. Most RPGs are more about the story than the challenge. I like those games a lot. Shiren was a big change from that, but I must say I came away absolutely loving the game for entirely different reasons. "Shiren" i...more
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Modes Wi-Fi Co-op 2, Story, Full Mission Single-Player
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July 22, 2007
Roddy Doyle: Paula Spencer
Ten years ago I read Roddy Doyle's The Woman Who Walked Into Doors, and immediately thought it was his best novel to date. It described the life of Paula Spencer, a Dublin woman married to brutal thug Charlo. They had been the subject of his little-seen TV series Family, but Paula gained new depth on the page. Now Doyle has revisited her life, ten years on, in Paula Spencer.
The book describes a year of Paula's long journey away from being "a woman stopping madness by meeting it halfway." She is an alcoholic (off the sauce for four months now), working cash in hand and living hand to mouth, with four kids presenting various problems and occasional joys. Eldest daughter Nicola is prosperous and attentive ("Their fridge … a present from Nicola. It takes up half the kitchen. It's one of those big silver, two-door jobs. She opens it the way film stars open the curtains. Daylight! Ta-dah! Empty. What was Nicola thinking of? The stupid bitch. How to make a poor woman feel poorer. Buy her a big fridge. Fill that, loser. The stupid bitch. What was she thinking?"). Son John Paul is a recovering heroin addict, living across town and married to Star, with whom Paula doesn't get on. Younger son Jack is still at home, and is the one in whom Paula places most hope. Also at home is Leanne: Paula fears that she is following in her alcoholic footsteps:
There are so many Leannes. She sees and feels hundreds of her, every day – it's no exaggeration. The little girl clutching Paula's leg. The teenager painting nail varnish onto bleeding skin. The baby crying while her mammy tries to crawl under the cot. The wreck on the couch. The young woman hobbling to work. The little girl who never sits still, who makes everyone laugh. The little girl who wets the bed. The teenager who wets the bed. The woman who wets the bed. They're all there, every day. The young woman she'll see tomorrow morning. The skinny monster she might see tomorrow morning. The girl who hugs her. The woman who hit her.
All her children are recovering from Paula's alcoholism, just as she is, and Doyle brings out brilliantly their differing responses: the over-watchful, the unforgiving, the jointly damaged. And he does this in remarkably spare language, which at first seems unnaturally staccato and repetitive, but soon takes on a laconic poetry. The work the reader must do for all the adjectives and purple prose Doyle leaves out, gives an added richness to Paula's relationships with her children and her siblings. Some simple passages, such as the one where Paula intensively makes all the beds in the house largely to keep herself busy and distract her mind from wanting another drink, are powerfully affecting.
There is also, amid the unsentimental portrayal, some of the humour Doyle displayed in the Barrytown trilogy:
Where would she wear a good coat? She doesn't go out anywhere. She doesn't go to Mass. She doesn't go to the pictures. She's never been in a theatre. Work and the shops – that's it. Her sisters have given up on her. Her last text from Carmel was ages ago and it wasn't a party invitation. She was offering Paula a chicken. Spare chkn. Wnt? Paula didn't answer.
Shve it up yr arse.
The book also reflects the changes in Ireland in the last ten or fifteen years, the growth in wealth, political development and influx of foreign workers into a formerly monoethnic society. But it is as a character-driven story, which makes you hope the best for its main players (urging Paula not to give in and have another drink each time she is tempted), where it excels.
22 Comments »
Like you I read The Woman Who Walked Into Doors about ten years ago and found it profoundly moving. (I still think The Snapper is his best!) But for some strange reason I have not being inclined to read Paula Spencer, maybe because I thought it would not live up to expectactions or because I thought it'd be a dull read, I mean, what more could Doyle say about an alcoholic woman? But having read your review I think I might have changed my mind and will have to add this to my wish list… (I really ought to stop coming to your blog — I end up wishlist-ing everything!!)
Unfortunately A Star Called Henry is the one that put me off reading any more Doyle. I don't know why. It just didn't resonate with me at all.
It's interesting that kimbofo said that, I loved The woman who… and Paddy Clarke ha ha ha, plus The Giggler treatment is an amazingly funny and entertaining children's book. Consequently I eagerly purchased A star called Henry, and expected it to be an enticing page turner, and yet I just haven't been able to read it at all. It has sat unloved and dusty on the shelf for years now, and I have Oh play… as well, managed to get a proof. I don't know why I got such a mental block. Odd.
I do believe it appeals more to a male, with all the wheeling and dealing and especially the violence. Not very sympathetic female characters in the books as far as I know. Probably a true reflection of the times. Am I allowed to say that in these politically correct times.
John Self, don't worry: I LOVED a star called henry !!! Sooo glad the sequel finally came out > it took ages. So I am guessing the third one will take (too) long aswell to come through, but I am sure it will :-)
Glad to hear you enjoyed paula Spencer I was wondering if it was good enough to buy. I'll go get it now !
hi suzi i just need to know did you ever live in cobh co cork Ireland iam trying to find a friend who marrird a guy called spencer sorry i know this is not the right web for this Brigid
For some reason, although I found The Woman Who Walked into Doors, and indeed, all of Doyle's novels, excellent, I never really "fancied" this. Now I really want to read it. Thanks, er, John Self / Shade.
[…] easy to read in that dead time between Christmas and New Year. I enjoyed Roddy Doyle's Paula Spencer some months ago, and I'm due to read A Star Called Henry for a book group next year, so […]
anyone heard the Tossers song "The Unfamous Paula Spencer?"
[…] of book. It is a long internal monologue in the third person (rather like Roddy Doyle's Paula Spencer) by Glaswegian Sammy, as he struggles to come to terms with sudden blindness. It is […]
A Star Called Henry was a major change for Doyle and the follow up disappointing. I stopped reading just before Henry met Satchmo. I'll finish it one day. The third will be good and make it all worthwhile I'm sure.
He is going to have to go some though.
Paula Spencer and The Woman Who…. are brilliant. How he gets the female personailty I don't know.
I haven't read any other earlier books. I thought they would be too trivial. I started with Paddy Cklarke and lost it on a plane somewhere over the Atlantic. I never went further back in his catalogue. Obviously I'm too influenced by the Booker Prize Winners. Any recommendations ?
I am a Daily Mail reader. !! I might add I try and read all the non-cartoon papers.
Thanks for your comments. I'm living in Italy these past 25 years so A Daily Mail reader needs explaining to me.
hi iam in to reading books but iam wondering are this books any good
[…] Falling Man, Gerard Woodward's I'll Go to Bed at Noon, Roddy Doyle's Paula Spencer, Charlotte Mendelson's When We Were Bad, or J.R. Ackerley's We Think the World of […]


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Ernest Elmer Huling II, 71, a resident of Cleveland, passed away Tuesday, Dec. 11, 2012, in a Chattanooga hospital.
He attended Macedonia Baptist Church. He was a self-employed businessman. He was a member of the MainStreet Cruisers and had enthusiasm for classic cars. He was also a member of several farmer co-ops and loved cattle.
He is survived by his wife, Linda Lee Huling, of Cleveland; five children: Mark Anthony Huling and Mitchell Shawn Griggs, both of Loudon, Ernie Elmer Huling II of Kingston, Amanda Lee McMahan of Atlanta and Gabriel Dave McMahan of Knoxville; two brothers; and one sister.
A memorial service will be held at 4 p.m. Saturday, Dec. 15, 2012, in the chapel of Ralph Buckner Funeral Home.
The family will receive friends from 3 to 4 p.m. Saturday at the funeral home prior to the service.
We invite you to send a message of condolence and view the Huling family guest book at www.ralphbuckner.com.


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Men's Tennis Falls to the Green Wave in Finals 4-2
April 19, 2003
FORT WORTH, Texas - Tulane won its third Conference USA men's tennis championship title this afternoon defeating TCU 4-2.
Victor Romero's victory at No. 2 singles clinched the title for the Green Wave. Romero won four straight games in the third set to defeat TCU's Toni Gordon.
At No. 1 Singles, Michael Kogan of Tulane defeated Alex Menichini of TCU 6-4, 6-3. Tulane clinched the doubles point when the No. 3 team of Mattias Westerberg and Jorge Lievano fought off a late rally from Rafael Abreu and Jacob Martin to win 8-5.
At No. 1 doubles, Michael Kogan and Victor Romero won the final four games to defeat Toni Gordon and Fabrizo Sestini 8-3.
Jorge Lievano of Tulane got off to a fast start in his No. 5 singles match before dropping the second set 6-2 to Jacob Martin. In the third set, Lievano took control winning the final five games to win the match.
TCU stands 15-8 overall and 5-1 in C-USA Action, the only loss in conference play coming to Tulane.
Next up for the Frogs will be a trip to the NCAA Regional tournament, the location is to be determined. Blain Fowler contributed to this report
Championship Match Tulane 4, TCU 2
No. 1 Doubles - Michael Kogan/Victor Romero TUL def. Toni Gordon/Fabrizo Sestini TCU, 8-3 No. 2 Doubles - Alex Menichini/Daniel Scholten TCU def. Goran Vasiljevic/Dmitriy Koch, TUL, 8-6 No. 3 Doubles - Mattias Westerberg/Jorge Lievano TUL def. Rafael Abreu/Jacob Martin TCU, 8-5
No. 1 Singles - Michael Kogan TUL def. Alex Menichini TCU, 6-4, 6-3
No. 2 Singles - Victor Romero, TUL def. Toni Gordon TCU, 6-4, 4-6, 6-3
No. 3 Singles - Dmitriy Koch TUL/Fabrizio Sestini TCU, 6-4, 2-6, 3-3, DNF
No. 4 Singles - Jacopo Tezza TCU def. Mattias Westerberg TUL, 6-4, 6-2
No. 5 Singles - Jorge Lievano TUL def. Jacob Martin TCU, 6-4, 2-6, 6-1
No. 6 Singles - Rafael Abreu TCU def. Hannu Piiroinen TUL, 6-1, 6-3


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Friday Freakout: Scary Bridle Wrap Around Camera!
You know how people say cameras are a snag hazard? Yup, that just happened. At least they held the dock. Watch Video »
Packed Parachute With GoPro Inside!
This is what you get when you pack your GoPro inside your parachute… a really cool perspective from the top of the lines, not to mention the awesome view all the way down. The swoop at the end is pretty effin cool too! Thanks to Will Penny of Babylon Freefly for this one. Watch Video »
Epic Zipline BASE Jump - GoPro Bomb Squad
Marshall Miller of the GoPro Bomb Squad ventures into the desert to visit friends and gets talked into doing an epic zipline BASE jump. Watch Video »
GoPro Bomb Squad Gets Arrested By The Fun Police!
We just got our hands on some unseen footage of GoPro Bomb Squad athletes Neil Amonson and Marshall Miller doing a heli demo jump to kickoff a Quicksilver surf comp in Long Beach, NY. What they didn't expect was a ride downtown in the backseat of a squad car. Thanks to Eric Gillespie for the... Watch Video »
Freefalling GoPro Lands In Pig Pen
Hilarious! A freefalling GoPro lands in a pig pen, only to be found by the farmer 8 months later. Once you get passed the seizure inducing spin, the real "action" kicks in at the 0:40 mark. Watch Video »
High Fashion: Roberta Mancino's Stylish BASE Jump
Roberta Mancino expresses her passion for fashion and BASE jumping in this high fashion photo shoot off Monte Brento in Italy, looking fresh and stylish in Roberto Cavalli high end clothing. They sure are setting a high standard for fashion shows :p Watch Video »
Red Bull Stratos - The Full Story
October 14, 2012, Felix Baumgartner ascended more than 24 miles above Earth's surface into the stratosphere with a helium balloon. Millions across the globe watched as he opened the door of the capsule, stepped off the platform, and broke the speed of sound while freefalling safely back to Earth. Felix set three world records that... Watch Video »
Moab Towers & Magic Backpacks
Follow Marshall Miller and Hayley Ashburn as they scale surreal towers and then jump off with magic backpacks in Moab. Side note: I don't think they brought enough GoPros. Watch Video »
GoPro... On A Stick... Off A Cliff
We've seen a few camera setups that would be deemed sketch if these cats were jumping out of airplanes, but you know, in BASE, pretty much anything goes. So while I don't recommend grabbing a GoPro on a stick at your next skydiving boogie, is geeking a GoPro on a stick from a fixed object... Watch Video »
GoPro Presents: Bomb Squad Balloon Backflips
Check out JT Holmes, Suz Graham and the GoPro Bomb Squad as they come together for this backflippin' drop from a hot air balloon. For today's encore, check out Suz Graham's "Malaysian Invasion" for the women's BASE jumping world record. Watch Video »
Friday Freakout: Skydive With Massive Umbrella! Wi...
GoPro athlete Eric Roner channels his inner Mary Poppins… and discovers why umbrellas don't make great parachutes. This stunt is definitely up there with the world's first skydive using plastic grocery bags as a parachute. What d'you think: win or fail? Watch Video »
GoPro In Less Than 60 Seconds, From Janitor To Tun...
Watch as the janitors at Skydive Arena turn into total tunnel rockstars in less 60 seconds, complete with hot groupies and bubbly. We love groupies and good tunnel videos around here, and we're especially lovin' the flyer POV in the tunnel. Wouldn't that suck to snag your GoPro on the net?! Watch Video »
Friday Freakout: Lasso A Camera With Your Shoe Lac...
So you have less than 200 jumps and wanna jump a camera, huh? Think again. But if you do anyways, send us the footage :p Here's what can happen when you're an experienced skydiver and you accidentally lasso a camera with your shoe laces. Yeehaw! Watch Video »
Bobble-Head BASE Jump
Being scared just makes it more fun, right?! What better time to get vertigo then when you're standing on the beams of the Perrine Bridge, looking down at the water not too far below. I love this GoPro view of Marshall Miller's face pre- and post-jump; he looks like one of those bobble-head toys on... Watch Video »
GoPro Survives 12,500ft Freefall Without Case, Fil...
WARNING: The majority of this footage is seizure-inducing and may cause your eyes to bleed. We all know GoPro cameras are bomb-proof. Just ask the dude who had a scary head-down premature opening and lost his GoPro from from 10,000ft. But this video takes 1st place in the OMGWTFLMAO department. Not only does his GoPro... Watch Video »


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HollyFrontier Corporation Reports Record Quarterly Net Income
HollyFrontier Corporation (NYSE: HFC) ("HollyFrontier" or the "Company") today reported third quarter net income attributable to HollyFrontier stockholders of $600.4 million or $2.94 per diluted share for the quarter ended September 30, 2012, compared to $523.1 million or $2.48 per diluted share for the quarter ended September 30, 2011. For the nine months ended September 30, 2012, net income attributable to HollyFrontier stockholders totaled $1,335.6 million or $6.44 per diluted share compared to $800.0 million or $5.63 per diluted share for the nine months ended September 30, 2011.
For the third quarter, net income attributable to our stockholders increased by $77.3 million, or 15% compared to the same period of 2011, principally reflecting higher third quarter refining margins. Refinery gross margins were $30.55 per produced barrel, a 9% increase compared to $28.10 for the third quarter of 2011. Production levels averaged approximately 457,000 barrels per day ("BPD") and crude oil charges averaged approximately 433,000 BPD for the current quarter. Operating expenses for the quarter were $233.9 million or $5.11 per barrel compared to $227.9 million or $5.07 per barrel for the third quarter of last year.
HollyFrontier's President & CEO, Mike Jennings, commented, "We had a tremendous quarter with third quarter results reaching new record levels. Exceptionally high inland to coastal crude oil differentials as well as robust heavy crude oil differentials helped drive our refined product margins to all time highs. Looking forward, we believe that the structural crude advantages currently driving our strong operating margins will continue to positively impact our operating income, allowing us to continue to pay both regular and special dividends. We remain focused on increasing total shareholder return while maintaining a strong balance sheet."
For the third quarter of 2012, net cash provided by operations totaled $742.3 million. During the period, we paid dividends to shareholders of $132.7 million consisting of our $0.15 regular and a $0.50 special dividend. In addition, we declared a second third quarter special dividend of $0.50 that was paid early in the fourth quarter. At September 30, 2012, our combined balance of cash and short-term investments totaled $2.3 billion and our consolidated debt was $1.3 billion. Our debt, exclusive of Holly Energy Partners' debt which is nonrecourse to HollyFrontier, was $471.8 million at September 30, 2012, which reflects the redemption of our $200 million 8.5% senior notes that were called in September 2012. We had no cash borrowings or outstanding principal under our credit facility during the quarter.
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Following rumors from Silicon Alley Insider last week, Gowalla officially announced today a funding raise of $8.4 million in venture capital from Greylock Partners, Maples Investments, Shasta Ventures and others. Gowalla is a location-based social networking application for smart phones. Similar to Foursquare, they let you share and discover new locations based on your social […]
Gowalla Raises $8.4 Million
Ent. 404: An Austin Tech Christmas List
'Tis the season to stuff your virtual stocking. Here's what Austin has to offer techies this holiday season.
Boundless Network Raises $5M More
Boundless Network announced today it has raised $5 million in additional financing. The funds will enable the branded merchandise distributor to support its rapid growth and expand its technology platform. The financing is from existing investors Austin Ventures and Silverton Partners. Boundless Network has raised a total of $13 million in funding to date. "We […]
uShip Continues Growth
uShip, the global online shipping marketplace, today announced it has surpassed $125M in business transacted in just five years, two-thirds of which has occurred during the recession. In 2009, uShip's revenues doubled versus 2008 and the company also enhanced local settings for customers in the UK, EU, Canada, and Australia. uShip turned profitable in 2008, […]
Informavore: Creating an Employment Forecast That Matters
Instead of relying on the constant fluctuations of large scale data-deduced trends, we need to make data personal and relevant again.


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Alleged hackers have warned potential viewers of the film to "Remember the 11th of September." The Department of Homeland Security says it has found "no credible intelligence" attacks will happen.
Bowing to hacker pressure, Sony canceled the theatrical debut of the new Seth Rogen-James Franco film, "The Interview." Hollywood celebrities are upset about the move. Are you?
Federal government security experts are increasingly uneasy about the threats to law enforcement from using older versions of the mobile OS.
Longtime Pentagon correspondent Richard Whittle investigated the unmanned aircraft that gave the military the ability to attack targets from the other side of the world. He talked to CNET about the drone.
In what "has all the markings of a state-sponsored attack," government contractor US Investigations Services reveals the probable theft of government employees' personal information.
Homeland Security's specifications say drones must be able to detect whether a civilian is armed. Also specified: "signals interception" and "direction finding" for electronic surveillance.
Ideal for dens and bedrooms, this TV also makes for a perfectly good PC monitor.
A lice-removal professional claims selfies are contributing to an increase in the spread of head lice among young people, but for now at least, the link is by no means conclusive.
The US government's SOP 303 codifies the shutdown and restoration process "for use by commercial and private wireless networks during national crises."
The U.S. Department of Homeland Security is probing Siemens' technology that may allow hackers to attack critical infrastructure, such as power plants.


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Top 5 Wearable Trends for Fall
Mild Weather Scarves
A breezy linen or cotton scarf can make a surprising difference to your entire wardrobe -- and can look chic with jeans and a tank top or a shift dress and pumps. H&M and Aldo both have a vast array of stylish and inexpensive options. Aldoshoes.com.
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Which would/could you do?
Find a Conversation
|Sun, 08-08-2010 - 10:18am
We have talked about saving money many times, as well as "couponing." This article covers several recurring themes on this board.
So which of these would, could or have you done?
6 Extreme Ways to Go Frugal and Save
by Melissa Neiman
Saturday, August 7, 2010
How far would you go to save a buck in today's tumultuous economy? People are finding more ways than ever before to scrimp and save. But some take it to extremes.
Read on as expert penny pinchers detail six bold ways to cut costs -- and in some cases, generate a little revenue -- during tough economic times. Are you extreme enough to give them a try?
Get Rid of Your Car
Trading in your beloved wheels for public transportation is definitely extreme -- especially if you live in the suburbs. However, doing so saves a bundle.
"If you can walk, bike, or take public transit where you need to go, get rid of your car entirely," says Francine Jay, author of "Frugillionaire: 500 Fabulous Ways to Live Richly and Save a Fortune."
Jay says people who go carless save a fortune by eliminating gas, registration, insurance, maintenance, and repair costs, as well as lease or loan payments.
Jeff Yeager, author of "The Cheapskate Next Door," agrees. He cites AAA figures showing that the average cost to keep a car on the road is close to $1 per mile after factoring in all of the associated costs.
"That's probably close to $10,000 a year," he says.
Yeager, who shares a car with his spouse, is a big proponent of renting a car when necessary.
"Think about how much of the time your car is sitting unused. It's just a tremendous waste of resources," Yeager says.
Jay says people who need cars only to run occasional errands can join a car-share program. For such people, "it's more financially savvy to borrow than to own," she says.
Take In a Renter or Boarder
Sharing your living space may seem unappealing at first, but it's a great source of extra income.
"I always encourage people to at least consider getting a home that could allow them to get some rental income, such as a duplex," Yeager says.
Again, Yeager speaks from experience. He and his wife have had renters for the past 20 years. By doing so, they were able to pay off their house in 15 years instead of 30.
"The beauty of it only begins with the monthly rent check you're collecting," he says. "Obviously, there are incredible tax benefits to it, too ... and much to our surprise, my wife and I found that it's actually nice having other people around."
Don't own a duplex? Jay says all you need is an extra room to take in a boarder and "raise some cash and help pay your mortgage, rent and utility bills."
Jay says if you decide to make this money-saving move, be sure to draw up a tenancy agreement to specify payment terms and the sharing of common facilities.
"Check local zoning laws to confirm that such an arrangement is permitted in your neighborhood," she says.
Downsize Your Home
If you feel as though your home is too big, it probably is. Selling it and buying a smaller one may help beef up your bank account.
"The best way to save big money is to cut big expenses -- and housing is the biggest of them all," Jay says.
Jay says trading down to a smaller house or apartment also lowers the mortgage or rent, as well as the utility bills.
"A smaller space will slash your spending, because you can't buy things when you have no place to put them," Jay says.
Yeager also is an advocate of living smaller.
"People don't really stop to think about it, but for every square foot that they add to a house -- square feet they often don't need -- first they have to buy it, then they have to maintain it, they have to pay property taxes on it, they have to insure it, they have to decorate it, they have to heat it and so on," he says.
"One of the upsides of the recession has been that the average home built now is about 300 square feet smaller than those built prerecession," says Yeager.
Change How You Use Credit Card
Taking a pair of sharp scissors to credit cards can help plug a big hole in your wallet or purse.
Jay advocates paying with cash only.
"This strategy saves you a bundle in finance charges and puts the brakes on your shopping habit; because without credit, you can't spend more than the money you have," Jay says.
Jay says paying with plastic "is far too painless," making it easier to spend.
"It almost feels like you're getting something for free," she says. "When you have to hand over cold, hard cash, you'll probably think twice about making the purchase."
Yeager urges consumers to go cash-only for at least a month.
"If you don't have the cash on you, it might give you reason to stop and think (before buying)," he says.
"I always think spending procrastination is a virtue, not a vice. Put off buying until tomorrow what you want today, and maybe you'll change your mind about whether you really want it."
However, Yeager acknowledges there is "much dispute in the cheapskate community" over whether it's better to never use credit cards or to always use them so you can "rack up frequent flier miles and other bonus points."
Only Use Coupons or Go Generic
Some extreme savers take coupon clipping to a new level, purchasing items only when they have coupons and stockpiling goods for future use.
Jay says the secret to saving on groceries and other items is to "ditch the brand loyalty, and be open to alternative products or generics."
"Be adventurous and try out that bargain-priced shampoo, cereal or detergent," says Jay. "If you're shopping online, search Google for coupons before making your purchase; you'll be surprised how often you'll find vouchers for free shipping and other discounts."
As with credit cards, coupons divide the cheapskate community.
"As many cheapskates swear about them as swear by them," Yeager says.
According to Yeager, many naysayers believe coupons cause people to buy things unnecessarily.
Yeager says coupons are most popular among penny pinchers who eat more processed foods and have plenty of storage space.
By contrast, Yeager prides himself on being able to "go into any grocery store at any time and come up with a delicious healthful meal that's really cheap without ever having to use a coupon."
He simply takes advantage of "the loss leaders that the grocery store has on sale that day" and buys generic.
Dump High-Tech Toys
Many extreme savers embrace the simple life, which means either forgoing the latest toys and services or waiting until they're no longer "hot ticket" items.
In addition to saving cash, Jay says "you may find happiness in being less connected to the virtual world and more engaged in the real one."
Erin Schneider, who writes the Cheap Chick blog, also recommends cutting out unnecessary services -- "cut down on cell minutes, cancel your home phone, cancel your gym membership" -- and opting for the least expensive options that present themselves.
"Cut out Netflix and get your movies from the library," she says. "Cancel your lawn service and either mow your own, or hire that kid from across the street for less."
If you can't give up high-tech toys, at least wait to purchase them, Yeager says. The price will drop over time, and kinks in the original product likely will be worked out in subsequent generations.
"It's like the old Elvis song, 'Only fools rush in' when it comes to buying tech gadgets the day they're released," says Yeager, who has never owned a cell phone and refers to them as "electronic tethers."
* * * * * * * * * * * * * *
Men can only be happy when they do not assume that the object of life is happiness.
– George Orwell
|Mon, 08-16-2010 - 7:32pm
Ten Rules for Being Human
|Mon, 08-16-2010 - 8:01pm
it's a perspective thing.
we've moved around alot, i remember one move in particular when our mortgage interest rate was 8% (later 1990s, early 2000).
|Mon, 08-16-2010 - 9:23pm
Ummm, property taxes are based on a formula .. and all the houses on your block/in your neighborhood should have the same formula.
|Mon, 08-16-2010 - 9:41pm
|Mon, 08-16-2010 - 9:58pm
They can follow the same formula, but it doesn't mean the taxes will be the same. They are usually based on a percentage of the homes assessed value, but I guess could consider other factors as well. On my street there is an enormously wide range of home values, so we do have taxes that are very different from other houses on our street.
Ten Rules for Being Human
|Mon, 08-16-2010 - 10:03pm
Ten Rules for Being Human


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MAG: Robert Pattinson & Kristen Stewart Back Together for the Money
By Daniel Gates | 3:22 pm, October 25th, 2012
Star wants to know if Robert Pattinson and Kristen Stewart's reunion is "For Love Or Money?"
The tabloid, having already invented an alternate reality in which Stewart supposedly called Pattinson "bad in bed" before getting a "rebound body" to win him back, now claims the stars' reconciliation might just be to promote Breaking Dawn – Part 2.
"Taking Kristen back after getting played is royally embarrassing," a so-called "insider" tells Star. "He is absolutely having his man card taken away."
The mag's source adds, "Even if this is some sham relationship, no amount of money in the world is worth having everyone in the world lose all respect for you."
But the tabloid does put a price on Pattinson's reunion with Stewart at $14 million.
"That's what they each stand to make on the back end if this Twilight film does as well as their last one and if they each get a standard 2 percent," writes Star.
The mag continues, "For that amount of dough, who wouldn't give a cheatin' angel like Kristen another chance?"
Star seems to be under the impression that Breaking Dawn – Part 2 was destined to be a flop until Stewart and Pattinson renewed their relationship, and that they were financially forced to get back together.
This is the type of absurdity floated by an outlet that's never had insight into the duo's lives.
Pattinson and Stewart are both among Hollywood's highest-paid young actors.
They don't need to turn their personal lives upside-down for extra money on a Twilight installment set to top the box office regardless of their private status.
A source close to the situation tells Gossip Cop that while tabloids' conspiracy theories regarding Stewart and Pattinson are to be expected, the latest Star report is "crass and completely nonsensical."
NOTE: The discourse in the comments section on recent stories about Robert Pattinson and Kristen Stewart has occasionally sunk to nasty personal attacks and ugly language that adds little to the conversation. We'd like our site to be a place where people can show passion while still being civil. Please be respectful of fellow commenters.
Kristen Stewart in Tokyo for 'Breaking Dawn Part 2′ – PICS
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Dance, Dance, Dance
Dance the night away in the city that never sleeps!
New York City is home to some of the best dance troupes, companies, and clubs in the country so whether you appreciate it as a spectator or participant there is no better place to enjoy dancing. It's the birthplace of several forms and variations of dance including breaking which originated


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- 7 total posts
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Reviews by 12376
Zeltiq Lower Stomach -Chicago, IL
I want to say Thank you to all users or realself who take their time to write reviews on cosmetic procedures and services. Now it is my time to share my experience. I wasted a lot of money on spot reduction therapies like I-lipo with zero results so was very skeptical about Zeltiq procedure,... READ MORE
Sculptra -Hinsdale, IL
I had about 5 sessions of Sculptra done in 2012-2013 by two doctors and I am mostly satisfied. It has been about 18 months since my first injection and I developed no nodules at all even in areas with thin skin. Dr Kopovolic is really nice and does a great job. He injects superficially with... READ MORE
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Loss of Volume in a Short Period of Time? (photo)
I lost a lot of facial volume over very short period of time (less than a year). I did not loose any weight! I believe it has something to do with Botox injections since it... READ MORE
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I had 3 sessions of Sculptra injections (1 vial)) with good results. On my 2nd and 3rd visit, unlike 1st, the doctor didn't open vial in front of me but brought 5 prefilled... READ MORE
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Hi Yes, I am actually checking deals weekly but haven't find anything yet. READ COMMENT


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Remote Spirit Releasement Testimonials
"The results were remarkable. After 2 years of testing positive for Scleroderma, 2 days after the RSR was accomplished, annual blood work was performed to check the Scleroderma levels and all results came back negative. Tests were repeated, same result, no findings! Then 3 weeks later a phenominal job offer came through that will no doubt be life changing. I can't thank you enough. I was and still am stunned at the results I saw in my daughter."
"We would like to thank you both for your great work. Dori said she feels great release and tranquility."
"My home seems less "bogged down" since the releasement. I am not sure how else to describe the change. It is just more light and the mood of everyone seems to be more light-hearted and not so moody. I also no longer see the dark shadow moving quickly past my line of vision. The really strange thing was that my hair is no longer flat on the left side like it had been for years and I have better range of motion with my left arm now. Thank you so much for that!"
"As feedback on the last RSR, the edge on my wife's anger has disappeared since the day of the RSR. My son is slowly improving. He seems to have more energy, instead of being constantly drained."
"I feel great! For the first time in a long time, I had absolutely NO cramps in my legs and feet last night. WOW! I ALWAYS cramp up in my arches when I'm lying in bed. My feet feel so much better! Amazing! I'm real curious to see as time goes by if my migraines go away. I get them every couple of weeks, so it won't take long to see how I'm doing there. I'm also curious how my back will respond. In the past, I would be fixing meals for my family and my back would start to "just ache." I would keep going until I would just HAVE to sit down because my lower back would ache sooooo bad! Once again, Thank you both sooooo much."
Nancy T.
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September 20, 2003Dubai, United Arab Emirates
MR. MILVERTON: Good morning, everyone. I'm Damian Milverton. I'm the Communications Officer with the World Bank. I'd just like to introduce the gentlemen to my right. Firstly, we have Nick Stern, who's the Chief Economist for the World Bank and has been since July 2000. On his right is his successor who will be taking over from Nick in October, Messr. Bourguignon, Francois Bourguignon.
I'll let Nick open things up, and then we'll take questions after about 5 or 10 minutes. Thanks very much.
MR. STERN: Thank you, Damian, and thank you all for coming.
What I want to say is just two things, really; one sort of comment about the Bank and the other to introduce Francois Bourguignon.
I leave the Bank with great admiration and fondness for the institution. I think it's doing an excellent job. I set out my thoughts on the Bank in an article in the Financial Times yesterday. So I won't repeat them there, simply to underline that this is a period of the history of the world that internationalism was the fundamental importance. We have to find international responses to international problems and challenges, and the greatest of all of these is the challenge of fighting poverty.
I think that a successful fight against poverty requires a partnership of the kind that was set out in Monterrey. I believe the Bank is playing its role in that partnership, and I've been proud to be part of that story. I'm leaving the Bank because of a call from my own country. I would have been very happy to stay at the Bank for a considerably longer period, but it's quite hard to decline when your country calls, and I'm looking forward to the job I should be doing in the U.K. Treasury.
I'm absolutely delighted that Jim Wolfensohn, the President of the Bank, has asked Francois Bourguignon to be my successor, and I'm similarly delighted that Francois has accepted. Francois is an outstanding economist, who's led the way in the profession in many aspects of development economics, particularly I would draw attention to his work on understanding and measuring poverty and its relationship with inequality and its relationship with economic growth. Francois has been the leading figure in the development economics community on those subjects.
He's also enormously experienced in living and working in developing countries. So I shall be advertising as Francois Bourguignon's predecessor and hoping some of the reflected glory will arrive, as it were, backwards.
So, Francois, most of this, the purpose really of this meeting is to introduce you. So perhaps you could say a little bit about yourself.
MR. BOURGUIGNON: Great. Thank you very much, Nick. The first thing that I would like to say is that it is very nice to be your successor, but it is also very hard to have you as a predecessor. You have done a fabulous job during these years that you've spent in the Bank, and I simply hope that I will be able to continue on your footpath, but I'm sure that things will certainly be easier, taking the job from you.
Now, about my background, very, very quickly. I think that my commitment to development economics and research started a long time ago in Chile, where in those days in France you could choose either to do your military service in the army or to go to serve abroad. And of course I have chosen the second option, and I was fortunate enough to be sent to the University of Chile.
It was thought that I should take with me the most elementary statistical books because, you know, in those developing countries the level of education was not the same as in our glorious France. And I found the department at the university, where everybody had a Ph.D. from the best universities in the world, and I learned a lot in research with them. And since then, I've been interested by issues concerned with development, concerned very much with distribution, with poverty, with inequality, and ever since I've been working in this area.
Then, I switched to the academic career. I have taught for some time in Canada. Then, I went back to France, and I spent most of my research career there. I also funded a research institute called Delta, which depends on the Ecole Normal Superior and the Ecole des Hautes Etudes en Sciences Sociales, where we now have one of the best groups of economic researchers in Europe.
With time and with age, I became more and more interested by true economic issues, rather than academic economic issues, and fancy modeling. And I was closer and closer to the policymaking world, both in developing countries, as in developed countries, in developing countries through a lot of consultation work I've done with the World Bank, in many occasions with UNDP, with ILO, with most of the international organizations doing some advising work with several governments, and also in France, because I was very much interested by taxation issues and redistribution issues in France.
And I was very lucky to be on the team that Prime Minister Jospin, in 1997, put together. And I served on this Advisory Committee for a while, and then I could discover what really economic policy was and the role that economists and academic economists could have with politicians. And I found this experience extremely rewarding, extremely interesting.
And then at that stage of my career, I thought that it would be a good idea to jump, on the other side, to be really more on the economic policymaking field. And then when I was offered to take the leadership of the Research Department at the World Bank a few months ago, I was asked by Nick, and I was very happy to come to the Bank and to work with Nick as my direct boss and having the responsibility of the Research Department.
But just before I came, I learned that Nick would be leaving, himself, and I was wondering who would be my next boss, and I didn't know that I would be my own next boss.
MR. BOURGUIGNON: And so I'm very happy to join the Bank, I mean, to be in that position in the Bank. I understand that it is really going one step forward. As the Director of the Research Department, I was in my world, I was in a research environment, which was very similar to academia, and moving to this position of Chief Economist. It is clear that I am moving toward more work being done in economic advising, strictly speaking, and representing what is going on in the World Bank in terms of research and evolution of ideas on the one hand, but also the reaction to the evolution of the world and to the difficulties which may arise on the economic level in the various countries in the world.
It's a real pleasure to take this job. It's a real challenge, and I simply hope that I will be up to the challenge.
Thank you.
MR. MILVERTON: Thank you very much, Francois and Nick.
I'd like to invite your questions. As per the usual protocol, please give us your name and your affiliation, and I just might add if you could silence any cell phones that you might have on your person as well, just to make things a little smoother.
So, please, Anthony.
QUESTION: I'm sorry, Anthony Rowley, Emerging Markets. The World Bank began life as a bank primarily financing infrastructure. It then moved into structural adjustment and all kinds of things. It's moved the focus toward poverty reduction. It seems to have become very unfocused in many years in recent years. Where would you like to see the focus shifting to, if that's the right expression, in order to have the most impact on development? And I don't simply mean on poverty reduction. I mean on development as a holistic concept.
MR. BOURGUIGNON: Okay. I believe that the poverty reduction objective is synonymous of development. I know there are many definitions of development which encompass many dimensions of the evolution of societies. But as an economist, and I believe in the Bank because of the economic perspective taken by the Bank, it seems to me that there is a very strong association between poverty reduction and development.
From that point of view, I believe that the objective is important and will and should remain the main focus of the Bank. And to a large extent the reason why I was happy to join the Bank is precisely because the focus had been several years now precisely on poverty reduction, which always seemed to me the fundamental thing or the fundamental objective in development.
This being said, obviously poverty reduction must be understood in a very broad sense. If we want to reduce or to fight effectively poverty we must be concerned not only by measures which will have a direct impact on the poverty which will relieve very directly poverty. They are obviously extremely important. But also interested by measures which will modify the whole economic system in which people live which will reallocate resources, which will modify the whole path of the macroeconomy because this will have, of course, an impact on poverty.
So I would look at the evolution of the Bank and the view that we have to development in those terms. The long run objective is definitely to eliminate poverty. But in order to do that we must have a strategy which is with various facets. Some of them have to do directly with microeconomic poverty reduction programs. Others have to do with more general growth-oriented policies. Others may have to do with a long run strategy called choices for specialization in international trade, et cetera. But there is--I don't see any contradiction in all this.
For example, there is right now a new interest by the Bank for infrastructure issues. But if you compare to what was the position, the attitude of the Bank with respect to infrastructure a few decades ago it was fundamentally different. Now we are looking at infrastructure simply because we want to make sure that building infrastructure will indeed contribute to poverty reduction directly as with, let's say, water supply, sanitation programs, or indirectly because we are constructing ports or roads which will facilitate trade, et cetera. But this is really part of the same philosophy, part of the same goal.
MR. MILVERTON: Yes, this gentleman on the left.
QUESTION: I'm from UNI from India. You know, in India we have a 5 percent-plus growth rate, but what is often felt is that the poverty reduction is moving at a very slow pace and inequalities remain large. There are obviously institutional and structural factors involved in this. Given the vast experience in dealing with poverty and inequality, what advice would you give to the Indian government so that we move faster on the poverty programs, on poverty reduction?
MR. BOURGUIGNON: It is very difficult for me to talk about India sitting close to one of the world's specialists of India, so I would like maybe Nick to answer, or maybe Nick will want to say a few words on this.
It strikes me that inequality may not have been the main problem or main difficulty in India up to now. I mean, there certainly is a relationship between inequality and poverty and we may imagine that if we could, from the day to the next reduce inequality, at the same time we would be certainly diminishing poverty.
Now the problem with this is that reducing inequality is something very difficult which will take a very long and which will have some impact on the economy and in some cases may have negative impacts. Some other cases, may have a positive impact. So in countries where you have a very high level of inequality, it is certainly an option to try to consider that this should be a goal for a long-run policy to diminish inequality. And this is certainly something which is to be considered in Latin America in particular or in some African countries.
In the case of India, I don't think that in the case of figures, India has never been among the very highly unequal countries in the world. And there have been changes over time in inequality, but the distribution has not changed in a radical way.
So I would suggest that in the case of India the main goal should be overall growth, overall gains in efficiency, in productivity with, obviously, no change in the present distribution which will guarantee that everybody is sharing in a more or less equal or proportionally to his or her initial situation, the gains from growth.
But I don't think that this kind of very strong redistribution policy aimed at reducing inequality is called for at this present time in India.
MR. STERN: I think that India's growth rates in the 1990s in the last few years have indeed been very encouraging. Now India has seen really an acceleration in the kind of growth rates of 3, 3.5 percent we got used to, to something over 5. And I think it's a very important step forward, and it comes from policy reform and more open economic policies, reducing the effects of the license raj and so on, and I think that's a very important step forward.
The challenge, I think, is to keep that growth going, and also to try to make that growth more inclusive. The rural areas in India have not done so well. The northeastern states in India have not done so well. So I think it's important to keep that rate of growth going, but also to look for policies that are going to bring in those groups that have been excluded, or haven't participated so strongly. And I think in doing that, rural infrastructure will be a very important part of the story, water, roads, power, and so on. And I think that reform of governance in some of the lagging states will be very important too, because some of the problems, as you know very well, have to do with weak governance, corruption, and so on, in those states that are not moving so fast.
So I think it would be a combination of a continuation and deepening of the policies that have been followed up now for growth, together with more specific concentration on rural areas and in the weaker states.
MR. MILVERTON: Yes, Julie?
QUESTION: Julie Ziegler from Bloomberg News.
I'd like to know your opinion on what your recommendations would be, given the failure in Cancun, what should be done to sort of jump-start trade talks?
And the second question is, is it your opinion that rich countries are solely to blame for the stalls in the trade talks now?
MR. BOURGUIGNON: Yes. I mean, the first thing I would like to stress is that Cancun was certainly not a success, but it is not the end of the story. I mean, there is still some time for negotiation, and we have obviously to do all what we can to make sure that eventually we get to some agreement.
Now, who is responsible for this? It's always very difficult to find who is responsible for a lack of agreement. When you have two persons who cannot find an agreement, it is very difficult to say that this is due to Person A or to Person B. So I'm not sure that it is really the right interrogation to have to look for responsibilities.
Now, one thing is absolutely obvious, that in the core of the agreement of this debate, there is what is at stake for developed countries is quite important, in particular, in all of this debate on agricultural issues, we know very well that in developed countries, at least in the EU and in the U.S., there is a very heavy political weight of the agricultural sector, and you cannot, from one day to the next, make decision which will have very hard implications for these people.
So the problem, I think the time that is needed is really for developed countries to see a way of dealing with that evolution. There are many people who are in those countries who are convinced that this is the way to go. There is a transition to be thought of. There are possibly tools or economic innovations to have in order to facilitate the transition, but this may be done, and we have simply to hope that this process will be started before the end of the round.
QUESTION: Just going back to that, I just want to get clear, you think that an agreement can be reached by the end of the Doha Round?
MR. BOURGUIGNON: I believe that, yes, some agreement may be reached. Whether it will be a full agreement and that this will be fulfilling the expectations of everybody, it is not totally clear. But I would be really very surprised that after the dynamics have been set into motion, that the whole thing simply stops and that nothing happens at the end.
Now, really, I'm quite optimistic, and I really believe that, from that point of view, international organizations, and particularly the World Bank, have very much to do to make sure, indeed, things will not stall.
QUESTION: (Off mike.) (Inaudible.)
MR. MILVERTON: Sorry. Could you just wait for the microphone and then identify yourself, please.
QUESTION: (?) from Pakistan.
You have been running poverty reduction programs all over the world, but I think the results need to--could be improved upon if you concentrate on a new strategy for the delivery process because the delivery process is not giving the results that were being aimed at, even in Pakistan.
MR. BOURGUIGNON: May I simply ask you what you call the "delivery process"?
QUESTION: The way the funds are utilized in those countries and whether really the aim of the program, is it being achieved or not?
MR. BOURGUIGNON: I'm not sure I would fully share this view. Certainly, very much has been done, very much emphasis has been put on those poverty reduction programs. But to a large extent, there has been a big change in the way this was run; precisely, trying to make sure that there was no leakage or less leakages in the delivery process and to make sure that those programs were reaching the right people, were run, were managed or partly managed by the right people.
Very much of the actions I've seen around me that I could observe in the World Bank over the last three years, the goal is precisely that. The goal is really for people to appropriate themselves, those poverty reduction programs, in a way which was certainly not indicated before. So you may be dissatisfied, in some cases, or you may know examples where the delivery has been far from perfect. We all know cases like that, and it will take a very, very long time before, indeed, the process is made fully efficient. But I would say that one of the big emphases over the last years has really been precisely that; precisely to make sure that this money, those funds, those facilities would reach the right people and that those people would have something to say on this. So probably many cases were not totally clear on what is the best way to reach that goal. The goal may be reached in an imperfect way, but the line, I mean, the long-run view is different than this one.
MR. MILVERTON: Yes?
QUESTION: Paul Malin (ph), Meetings News.
There was, during the '90s, a sort of quite a split between the way the French development establishment saw particularly rural reform in Africa and cotton sector and so on, and a much more market-liberal approach being pushed here from Bretton Woods. What's your sort of personal perspective on that? And do you think you've begun to--is there some sort of viable middle way that's begun to emerge or do you think there's still a split between what you might call the "continental" view of these things and the Bank and so on?
MR. BOURGUIGNON: Maybe the reason why I'm around is a sign that there is a kind of meeting or a regrouping of positions on all of this.
I believe that in Continental Europe or in France, in particular, the views have very much changed over the last 10, 15, 20 years. It is thought that at some stage the view we had of the development process was very much inspired by our view on the planning and the fact that reforms had to come from the top, without very much consideration for the bottom.
And this literal tendency that we have, I call that the "engineer bias," to simply ignore the market and ignore the price system, and ignore economic incentives, this has dramatically changed over the last decades, and I don't think that there is any fundamental difference today, in terms of the philosophy of development aid between the agencies in France or in other countries in Europe and international organizations, like the Bank, or with agencies in other countries, like in the U.K. or elsewhere.
There is, I think, a consensus on the fact that we must use the market, and the market forces, as much as possible. And in some cases, because there are, unfortunately, market failures, we have to get in, and it is also the case that in many development issues, almost by definition, there are market failures. I mean, the market forces are not able to exercise themselves, and they shoot with all of their strength, and this is the reason why there must be intervention.
But this old philosophy I think of being very directive has changed. I mean, we are simply looking everywhere for the most efficient way of promoting development.
MR. MILVERTON: Let's take two more questions.
QUESTION: One of the main obstacles facing the poverty reduction strategy in the developed countries is the (?) countries' reluctance to open up their markets to the developing countries. In some countries the subsidy being given to cows, for example, exceed that for the aid given to developing countries. So do you have different approach over the coming period to convince or get developed countries to change their strategy?
MR. BOURGUIGNON: The first thing, I don't think the subsidies are even to the cows. As far as I know, they are given to the farmers who raise the cows.
MR. BOURGUIGNON: No, this is certainly the typical issue and one field in which progress has to be made quickly to show precisely that there is true will by different countries to go ahead and to facilitate trade, and to facilitate development.
Now again, as I said before, this is a difficult issue within developed countries. You cannot make this kind of decision to eliminate subsidies without thinking about the way in which people will be immediately directly affected by this kind of policy, can be compensated; how the dynamic process can be organized in such a way that those people will move from the sector, from the agricultural sector to other sectors. So this is something which must be thought of.
Now we know that these are not programs which may be designed from the day to the next. It seems to me that the usefulness of the debate which now is everywhere in international circles is precisely those countries have realized that they have to tackle that problem. And there will be a lot of talk--it has started in several countries and I'm coming from a country where farmers are especially voiceful. But it is clear that the debate will continue and we'll have to find a solution.
And all these countries already went through reallocation of people, activities which were very hard, very difficult. Remember very much in the old days where we had to close in many European countries coal mines and steel industries, you had regions which were damaged and where people had to move and it was difficult to find the best way to handle these transitions. This is what we have to think of and I cannot imagine that this thinking about that transition will not start very quickly and very seriously in those countries.
MR. MILVERTON: And the final question just up the back there, the gentleman.
QUESTION: Tim Cullen, Dubai Meetings News. It's a question somewhat related to the previous one. Former World Bank Director General, Bob Picciotto, has argued recently that while the Bretton Woods Institutions and the donor community generally have urged a tremendous amount of thought, reform on developing countries, that that's not been matched by advocacy for reform in industrialized countries to help developing countries. And you've just touched on agriculture and trade, but there's intellectual property and a range of other issues. And Nancy Birdsall's institute recently published their index of friendliness of industrial country policies to developing countries.
My question is, the extent to which you believe that the institution and you, yourself, in your new position and the advice you give your president, will be the Bretton Woods Institutions should be willing to take on its major shareholders and urge them publicly to change their policies, so that that advocacy does not come purely from NGOs but has the authority of the World Bank.
MR. BOURGUIGNON: Yes. I think these goals are in the same direction as previous questions. It is certainly difficult to imagine that the Bretton Woods Institutions and the World Bank in the first place will not say something very loud to the developed countries to make sure that they will undertake these reforms. This already started. There are clear statements by the World Bank, by the President of the World Bank, that something must be done to modify, to ease the trade in agricultural products through modifying the subsidy system in developed countries.
There were already some talks about the TRIPS, TRIP agreements. There was also a position taken on those drug negotiations, and I believe that this will continue. I mean, I cannot imagine that the role of the World Bank in terms of policy advice will be only in one direction. It is necessarily in two directions.
MR. MILVERTON: Okay. Thank you very much for your attendance this morning and we will wrap it up there. Thanks very much.
We also have bios, biographies available as you leave the press conference if you'd like them.
(Whereupon, at 11:14 a.m., the meeting ended.)


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A very smaller script interpretor that j2me based system. Can work on j2me / j2se / C++ platform ,the major goal is used to build an more flexible j2me game. Script language's phrase like as BASIC .
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Select () or exclude () categories to narrow your recipe search.
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Find exactly what you're looking for with the web's most powerful recipe filtering tool.
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"Perfect! I used Bob's Red Mill AP flour (gluten free) and a frozen mixed berry. Fruit did not all sink, distributed well. Just sweet enough on its own, would do well with whipped cream or ice cream. This is my "go to" cobbler recipe now."
"yummy. I made it with Bob's Red Mill AP gluten free flour, good results. Used my left over coffee instead of the water. Light texture, not too sweet, very easy to do."
"This came out perfect and quite tasty. It was so simple to do in the crock pot. I served it over buttered rice. Just a wonderful blend of flavors, hint of sweetness and heat. In my cookbook to stay."
"Yummy, adding to my cookbook. Even good cold. Now I have no more green tomatoes. I double dipped some for a thicker crust, might try egg in milk another time. Buffalo style is good, dip in blue cheese dressing with liberal dots of hot sauce."
"Excellent and well balanced in flavour. I like it on baby spinach leaves with just a splash more vinegar. Also works well with chick peas, lentils or other beans. It is a great substitute for potatoes with a meat dish when you want something lighter."
"Excellent recipe. Just add green peppers and you have American Chop Suey (northeast dish) A classic and economical dish that never disappoints."
"Wonderful! Especially for those with a SWEET tooth. I'm a little on the less sweet side for health reasons so the second time I made it I cut down on the sugars by half, would recommend by a third for most people. Butter was too much for me, but I think those who are comfortable with good old recipes will enjoy this one. For a variation aft..."
"Quite enjoyable, slightly sweet for me, but I added carrots to the pan and finished them off in the saucepan, good easy addition to my cookbook"
"Very tasty! I cut back a little on the spice quantities for my diners who are not used to seasonings, but there was still plenty of flavour. I had to make one substitution, using stewed tomatoes instead of the soup. Added some actual butter to the top and a squeeze of lemon to suit my taste buds."
"Delicious and healthy, served with a fresh salad that complemented it well. The mix of ingredients worked well and have given me ideas for additions (meat choice or beans and perhaps experiment with different spices including curries) The apple I left a bit more crisp which was great with the slightly chewy barley. The thyme worked well in brin..."


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A 6-cup Bundt pan is smaller than the standard size. You can also use a 9-inch round cake pan.
Cooking Light JANUARY 2002
Preheat oven to 350°.
Lightly spoon flour into a dry measuring cup; level with a knife. Combine flour and next 4 ingredients (flour through salt) in a large bowl; stir well with a whisk. Add butter, egg whites, and egg; beat with a mixer at low speed 1 minute. Beat at high speed 1 minute. Add milk, espresso granules, and vanilla; beat 1 minute. Pour batter into a 6-cup Bundt pan coated with cooking spray.
Bake at 350° for 35 to 40 minutes or until a wooden pick inserted near the center comes out clean. Cool in pan 10 minutes. Remove from pan; cool completely on a wire rack.
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Originally published May 5, 2014 at 5:28 PM | Page modified May 6, 2014 at 4:04 PM
Sheila Bair on WaMu: 'Was it fair? Absolutely not'
Sheila Bair points fingers at lax regulators and lack of interest from potential buyers for Washington Mutual's failure in 2008.
Special to The Seattle Times
Sheila Bair told me she loves Seattle. She was here Monday to give a speech before the 67th CFA Institute Annual Conference at the Washington State Convention Center.
But it was tough love from her during the panic of 2008. As chairwoman of the Federal Deposit Insurance Corp., she was the driving force behind the closure of Washington Mutual on Sept. 25, 2008, and the sale of its healthy portions to JPMorgan Chase for $1.9 billion.
It was the largest banking failure in American history; shareholders were wiped out; and thousands of Seattle jobs were lost.
But no insured depositors lost their money, and the FDIC fund wasn't hurt.
Bair told me her concern about WaMu grew "early on, in 2007. They had large exposure to the West Coast housing market and subprime." She said the thrift "did a slow burn through the summer (of 2008)," when trouble at IndyMac in July caused depositor worry at other institutions. Large customers began leaving WaMu. The crisis reached a new level with the failure of Lehman Brothers on Sept. 15, 2008.
For years, WaMu's primary regulator, the Office of Thrift Supervision (OTS), had been a lap dog, following the dogma of deregulation and a "self-regulating" market as the thrift took on ever greater risk (my words, not hers).
"Closing banks is something you never want to have to do," Bair said. "But the longer you wait to close a bank in trouble, the more the costs to the fund and potentially to the taxpayers. That's what happened in the S&L crisis (of 1990-91)."
Earlier that September, CEO Kerry Killinger had been ousted and replaced by Alan Fishman. Outside investors led by TPG Capital had pumped $7 billion into the ailing thrift in April. But it was not enough as the housing market continued its collapse and the financial system headed toward the cliff it would reach that fall.
"We tried very hard to get other bidders. We didn't want JPMorgan to be the only one. They didn't emerge. The OTS had waited too long and the others (potential bidders) thought it was too risky."
The situation was made worse when regulators halted short sales of the biggest banks. This led Wall Street's short sellers to focus on WaMu, driving down the price of its shares and increasing the unease. A slow-motion bank run began.
TPG "was not willing to put more real capital in," she said. "We asked them, but they wouldn't do it. Not without government help. We didn't have the statutory authority to do that. The Fed didn't want to do it."
The FDIC lacked statutory authority to, say, save the healthy part of WaMu and keep it as an independent institution. Thus, JPMorgan, a Too Big to Fail bank, got even bigger.
The major regulators didn't see WaMu as "systemically important" enough to make a special exception, even though, according to David Wessel's "In Fed We Trust," then-New York Fed President Timothy Geithner vowed there would be "no more WaMus." Two weeks after WaMu's failure, the federal government pledged to stand behind all financial institutions, including their shareholders.
"Was it fair? Absolutely not," Bair said of WaMu's fate. However, "I never heard a peep from other regulators that WaMu was systemic." Indeed, when WaMu was seized, it was "below the fold" news on the East Coast.
Now, Bair said, the Dodd-Frank legislation and other reforms, with their enhanced oversight and resolution authority even for the biggest banks, should ensure there will not be a repeat of the panic.
"The tools are there, and so is the will to use them. In my opinion, there will be no more bailouts."
Bair is now a senior adviser for government performance at the Pew Charitable Trusts. What keeps her awake now?
"I worry about the instability created by monetary policy" as investors search for higher yields in an environment juiced by Federal Reserve easing.
"Nobody's ever tried this before. There are distortions and imbalances. It has contributed to wealth inequality. The Fed can create supply (of credit and base money) but not demand.
"We need the president and Congress to get busy with policies to increase demand. We need fundamental tax reform and spending on infrastructure. Without this, we are squandering our strengths," Bair said.
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PART gears out of fiscal reverse
Riders who rely on the region's mass transit agency can board a black-and-red bus with more confidence now that the Piedmont Authority for Regional Transportation has a better chance to stay on the road.
PART, which once teetered on the brink of insolvency, has improved its fiscal position. A recent audit of PART's finances gave the agency high marks. The audit for the 2012-13 fiscal year, which found no material deficiencies with PART's financial practices, contrasts with an unflattering review in the summer of 2011.
Two and a half years ago, PART had its federal and state grant funding suspended because a U.S. Federal Transit Administration review found serious weaknesses in PART's internal financial controls. The problems included inadequate oversight of grant money and lack of control over cash collected in fare boxes on PART Express buses.
PART has since corrected the deficiencies and had federal and state grant funding restored. An audit of PART's 2012-13 fiscal year found no major problems and an improvement in the agency's fiscal condition.
"PART operated with sufficient expenditure reductions and obtained additional grant revenues that enabled an increase of (its) general fund balance by nearly $99,000," according to the report from the accounting firm Dixon Hughes Goodman.
PART now maintains a fund balance of approximately $3.7 million, according to the agency's annual audit report. PART Executive Director Scott Rhine said that more than two years ago, the fund balance dipped below $2 million.
"We have restructured our organization this past year. We've established new internal controls, and that stability is there," said Rhine, who was promoted to executive director a year ago this month following the retirement of former top executive Brent McKinney.
PART had to take tough measures to right its fiscal ship, including cutting bus routes and raising fares. PART operates 33 buses in nine counties, including Guilford, Davidson and Randolph counties. Despite its troubles, PART has nearly 40,000 riders each month.
PART Chairwoman Becky Smothers, a member of High Point City Council, said she's more confident that the agency has recovered to a point of sustaining itself. In the recent past, Smothers was candid in saying that if PART didn't reform, the agency faced its demise.
"I think there is no doubt there is a strong base for folks to judge that it is financially stable," Smothers told The High Point Enterprise. "Now the real challenge is going to be the demand for increased service and the ability of elected officials to recognize there has to be investment to do that."
The PART board and staff have made difficult but necessary decisions to turn around the agency and preserve bus service for commuters and others who rely on mass transit, she said.
firstname.lastname@example.com | 888-3528


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I was having guests coming home last weekend.I planned a head and experimented this dish on my sweet hubby & he was all gaga about it so the guests too.
Coming to the recipe it can be made ahead stored for a longtime.Goes well with rice & dosa.For seasoning you can use hing or garlic as the taste varies with them.It's always good to use a roasted chili powder becoz the flavor with tempt you more to have the pickle.
6 Tomatillo's sliced
11/2 cup Red Chilli Powder ( You change it acc. to your spice level )
1 tbs Methi seeds
3 tbs oil
1 tsp Mustard
2 Red Chill's
2 Tbs Oil
Methi Powder
Heat a pan with methi seeds. Dry roast them. Once they cool down grind them to smooth powder.
For Chutney
Take oil in a pan and heat it.Add tomatillo's to the pan and cook them till they are soft and done.
*** Don't cook with a closed lid.
Then mix chilli powder, salt & methi powder to pan and mix them well while the heat is on. Switch it off after 5 min.( We don't want to burn the chilli powder by frying it much longer time)
Allow it to cool.
Heat pan with oil add mustard and chilli's. Fry them till mustard starts jumping.Mix hing to the pan & switch the stove off.
Add the seasoning to the pickle & it's ready to serve.
Out Come: The guests loved the pickle and got the recipe too.


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To schedule an appointment, please call: 402-481-5121 For information, please call: 402-481-9445
Your life is made up of occupations – meaningful everyday activities. These occupations can include many roles, such as being a parent, a spouse, an employee, a tennis player, a cook or a musician. Everyone has occupations—from the toddler whose occupations are play and learning to develop important skills, to the older adult whose occupations are engaging with family and friends and managing his or her home. We generally don't think about our daily occupations until we have trouble doing them.
Whether an accident or injury, developmental delay or chronic medical condition, this is where an Occupational Therapist may be able to help. Occupational therapists assess patients' physical and cognitive abilities, then work with the patients to improve or accommodate these abilities so they can feed themselves, bathe, dress, complete homemaking and leisure tasks, or progress to return to work. Occupational therapy helps people develop the "skills for the job of living" necessary for independent and satisfying lives.
At Bryan we can help with all of the above, in addition we work with:
For information about Pediatric Occupational Therapy, click here.
Linda Jeffery, MAA, OTR/L Clinical Coordinator Outpatient – West Campus
Linda Jeffery received her Bachelor's Degree in Occupational Therapy from Creighton University in 1991. She began working in the Lincoln area in 1992 and joined the staff at Bryan Health in 1998. Linda received her Masters of Arts in Administration from Doane College in 2000. Throughout her career continued learning has been important to Linda. She has attended numerous continuing education courses some of which include: Saebo and Bioness for Upper Extremity Motor Improvement following Stroke, Hand Therapy including tendon repair, Physical Agent Modalities and Kinesiotaping. Linda's outpatient practice includes: treatment of neurologic and orthopedic diagnosis, hand therapy including post operative rehab, and fabrication of custom hand splints. In addition to her outpatient caseload Linda is the clinical coordinator at Bryan west campus for Acute care and outpatient services.
In her free time she enjoys outdoor activities with her husband and has 3 grown sons.


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Archive for the 'Revelation' Category
Page 1 of 2
Could the Aklatan be additional scripture and approved by the prophet?
June 14, 2014 3:00 am
Question Hi Gramps. I have come across what is called the "Ang Aklatan", or "the library" in Tagalog. It claims to be a record of the ancient inhabitants (more)
Why isn't food storage mentioned in General Conference anymore?
November 19, 2013 8:19 am
Question Gramps, Is storing a one year supply of food no longer suggested by the Church? Also, as conditions worsen in the USA and the world, the less is said (more)
Why the difference between the Book of Mormon and D&C?
October 29, 2013 1:00 am
Question Gramps, In the Book of Mormon Jacob 2:24, concubinage and polygamy were renounced but seemed to be justified in D&C 132:1-4. What do you think? Alex
More Scripture to be Revealed
June 27, 2013 12:01 am
Dear Gramps. I have read and studied the Old and New Testaments, Book of Mormon, Doctrine & Covenants, and Pearl of Great Price since I was a kid. (more)
Difficult in Receiving Revelation
April 18, 2013 12:01 am
Dear Gramps, I was reading in church history how difficult it was for President Spencer W. Kimball to get the 1978 revelation on the priesthood. He spent months (more)
Why aren't talks by General Authorities incorporated into the scriptures?
April 13, 2013 12:01 am
Question Gramps, The Church of Jesus Christ of Latter-day Saints professes to be a church that continues to receive inspiration and revelation from the Lord. It is perhaps (more)
Discernment vs Revelation
October 8, 2012 12:01 am
Is there an appreciable difference between the power of discernment and revelation? Sunday school teacher molests girl during church. How did no priesthood holder get the inspiration to (more)
What is revelation?
September 10, 2012 12:01 am
Question Gramps, Please explain revelation to me. Linda Answer Linda, What a question! I could go on for pages, but I doubt that would be a preferred (more)
Polygamy and the Law
August 26, 2012 12:01 am
Hey Gramps, Just wondering, hypothetically, if US laws were changed to allow polygamy would the practice be allowed in the church again? Just wondering
Lost Books of the Bible
August 17, 2012 12:01 am
Bro Gramps, do you know if the LDS Headquarters use the "Lost Books of the Bible" and The "Forgotten Books of Eden"? I have had this bible for (more)
Personal Revelation
March 31, 2012 12:01 am
When I have an important decision to make or just need some answers, I fast and pray and study my scriptures. When I receive what I feel is (more)
Revelation gone wrong
December 5, 2011 12:01 am
Gramps, When I was being set apart to go on a mission my stake president specifically said that because of my service my marriage would come about in (more)


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|A Purse Party for Your Personality
|Written by Linda Palacios
|Wednesday, 08 April 2009 11:03
A Purse Party for Your Personality
It doesn't get much better than a room full of friends and handbags. Read on to find which purse party fits your personality.
Handbags and girlfriends serve vital roles in a woman's life. Without either, a woman could lose her mind with an unorganized mess or an emotional defeat, so before you head off the deep end, look to these local companies to give you a fun time with friends as you find your next handbag companion.
One local woman has taken it upon herself to give you what you need exactly how you want it. Cyndy Naylor, owner and designer of Sassy Sacks, allows women to design their own bags at her purse parties. With seven different bag styles and more than 100 material swatches, guests can match the material and their bag to their personality and style. Naylor makes each bag to order by herself, and guests can expect to be sporting their custom clutch within two to three weeks. A minimum of eight guests is required for a Sassy Sacks party, but if you round up your friends, before the end of April, you can receive Naylor's winter special: a wristlet plus $50 toward any bag, Naylor says.
Like Sassy Sacks, Bella Donna Couture is a made-to-order operation. Party goers can pick a bag style, a material swatch and additional touches to make a fashionable creation that they will receive within four to six weeks of their party date. And Bella Donna boasts a budget-friendly selection. "Our product prices put us in a more attainable market as far as people with a normal budget," President and Founder Angie Salazar says. Bella Donna prices are even more marketable for the hostess of the party who receives 10 percent of the sales toward her own purchases as long as the party sales reach at least $200.
For a personalized bag without the design-it-yourself angle, Miche Girl might be what your hand desires. Miche Girl breaks the mold of handbags by offering a changeable purse with hundreds of design possibilities. Guests select a base bag in brown or black and then choose "shells" that attach to the base purse with electronic-safe magnets. "The sales rep comes and brings purses and shells and basically just lets them play," franchise Co-owner Kandace Cox says. So you can keep all of the inner workings of your bag the same as you change shells to match your changing styles and clothes. "About as fast as you can put your shoes on you can change your purse," Cox says. The best part: the bags and shells are available for immediate purchase and enjoyment.
For a celeb style bag, turn to Designs by Paolo. Its original doctor bags have been converted to fashionable handbags fit for a red-carpet lady, including Paris Hilton, Julianne Hough, Natasha Bedingfield and the Kardashian girls. While the price points are a little higher ($40 to $460), Designs by Paolo party guests can rest assured that their bag is "especially Cincy chic," says Erin Biel, president of Professional Case of which Designs by Paolo is a division. "It is literally created in Cincinnati." Also, Designs by Paolo offers the option of charity purse parties, where a charity receives part of the profit in lieu of the normal hostess incentives. "We love doing that," Biel says.
While it's not a purse-party company, DeGroot Handbags still gives a social outlet to Queen City women with its trunk shows. DeGroot Handbags sells internationally, but events are limited to Cincinnati. "I like to make that opportunity available to local Cincinnati women to buy DeGroot handbags. People should know that, if they attend, we offer an exclusive price that they would not get anywhere else," Designer and President Missy DeGroot says. And that exclusive price can be quite a steal with DeGroot's fashion-forward handbags. Their high-quality leather and design offer a sophisticated yet sexy look that will make you stand out from the crowd. "They're not shy," DeGroot says. "If you buy a DeGroot handbag, it's going to get noticed. You're going to get a lot of attention." If you miss a trunk show, you can find DeGroot Handbags at Morrison & Me, the Malton Gallery, The Gilded Age and the Woodhouse Day Spa.
More articles by this author
|Last Updated on Monday, 13 April 2009 04:15