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Speedway Motors is the open wheel racing engine authority! Whether you have a 360, 410, USAC or Outlaw series Chevy race engine, Speedway has every part Sprint and Midget racers need. Our large assortment of cylinder heads, camshafts and racing valve train components allows you to tailor your engine for any racing condition. Speedway also has a variety of durable forged rotating assemblies, dry sump oiling systems and Dart engine blocks that can survive the rigors of open wheel racing. Race and win with Speedway Motors!
Engine Oil Pans
Engine Oil Pump Drive Mandrels
Engine Oil Pumps
Engine Oil Tanks
Engine Oil Pump Pickup Tube with Screens
Engine Oil Dipsticks
Engine Oil Pan Windage Trays
Engine Oil Pump Shafts
Engine Oil Tank Mounts
Engine Oil Drain Plugs
Engine Oil Hose Kits
Engine Oil Pan Bolt Sets
Engine Oil Pan Stud Kits
Engine Oil Pressure Gauge Tubes
Engine Oil Filter Covers
Engine Oil Pump Bolts
Engine Oil Filler Caps
Engine Oil Filler Pipes
Engine Oil Filter By-Pass Valves
Engine Oil Galley Plugs
Engine Oil Line Fittings
Engine Oil Pan Baffles
Engine Oil Passage Screw Plugs
Engine Oil Pressure Booster Kits
Engine Oil Pump Conversion Kits
Engine Oil Pump Covers
Engine Oil Pump Drive Gears
Engine Oil Pump Drive Shafts
Engine Oil Pump Pickup Tube Adapters
Engine Oil Pump Relief Valve Springs
Engine Oil Sump Screens
"Open Wheel, Oiling System" Page 1 of 3
$3.99More InfoMagnetic Drain Plug(Part #5500015)x
Metal debris can wreak havoc on an engine. Install this plug in your oil pan to catch any metal filings before they get sucked into the oil pump and cause real damage!
Will fit any oil pan with 1/2-20 threads.
$24.99$29.99More InfoNewHenchcraft Chassis Oil Drain Tube for Kawasaki Zx10 Engine(Part #97010073)x
This oil drain tube from Henchcraft Chassis is for your Kawasaki Zx10 engine. The aluminum tube is cut to proper length for an easy install.
- Install when using billet oil pan (97010064)
- Aluminum Material
- Natural Finish
- Henchcraft Lightning Sprint Chassis
- Sold Individually
$14.99More InfoKing Racing Products 2176 Oil Pressure Gauge Fitting Only, -4 AN(Part #9402176)x
-4 AN oil pressure fitting.
$19.99More InfoSpeedway Oil Filter Rock Guard, 6 Inch Long(Part #91015166)x
Protect your investment with this oil filter rock guard. The short 6" cover fits most standard 1 quart filters. Spun aluminum with clamp.
Fits these filters:
- AC Delco PF1218 (Speedway 910-15175)
- K&N HP2002 (Speedway 465-070025)
- K&N HP3002 (Speedway 465-070030)
$264.99More InfoChamp Pans CP100LTRB GM 604 Crate Engine Oil Pan 1986-Up, 1-Piece Main(Part #91015117)x
This steel pan is designed around the Camaro front stub with the engine set back. It has six trapdoors, three crank scrapers, two runners, an oil temp fitting, an oil check level plug, and a removable horsepower saving louvered windage tray. Oil capacity of 8 qts. with filter. These racing oil pans are approved replacements for GM 604 crate engines.
- 7" deep x 14" wide x 12" long
- Stock or mini-starter
- Fits 1986-up engines, GM 604 crate
$24.99More InfoSmall Block Chevy Stock Volume Oil Pump(Part #577OP55)x
Stock volume oil pump for S/B Chevy. Pump is preset to 55-65 psi and uses a 5/8" diameter pick-up tube.
$5.99More InfoARP Fasteners 230-7001 Small Block Chevy Oil Pump Studs(Part #101RPS1)x
For S/B Chevy only. Heat treated Chromoly steel. Comes with grade 8 nut and heat treated washer.
$325.99More InfoSpike Chassis 2048 Esslinger Oil Tank(Part #9502048)x
Under hood dry sump tank with internal swirl pot for fluid control. Custom built for Esslinger engines with a single AN 16 outlet and AN 12 inlet and breather. 22" tall and 6" in diameter.
$29.99More InfoSmall Block Chevy High-Volume Oil Pump, 5/8 Pickup(Part #577OP55HV)x
Thse high-volume oil pumps move 25% more volume than stock volume oil pumps. Pumps are preset to 55-65 psi. Fits Small Block Chevy.
$13.99More InfoStraight Oil Pressure Gauge Extended Fitting, 1/8 Inch NPT to AN4(Part #6174070)x
We all know how hard it is to get at that oil pressure fitting on the back of the block. Oil gauge extension is 1/8" NPT to AN4.
- 1/8" NPT to nut is 1.32"
- Nut thickness is .25"
- AN4 to nut is .75"
$5.99More InfoPeterson Fluid Systems 05-0740 Aluminum Mandrel Spacer, 1/4 Inch(Part #91615926)x
Mandrel spacer to properly space and align the mandrel pulley pack.
$79.99More InfoMelling 10550 Select Small Block Chevy Oil Pump, High Volume(Part #57710550)x
Melling Select Series oil pumps are engineered to give you superior oiling for your high performance engine. 5/8" pickup required.
- Steel billet gears with drive gear pinned to shaft
- CNC machined housing and cover plate
- Coated for wear and corrosion resistance
- 5/8" inlet
Available in standard volume or high-volume, which has 25% more volume.
$4.99More InfoSmall Block Chevy Main Cap Baffle(Part #54523000)x
Keeps sump oil from reaching crankshaft. Mounts between pump and main cap. Requires trimming.
$21.99More InfoSmall Block Chevy Oil Pan Stud Kit(Part #5506315)x
The black finish grade 5 bolts have a Bullet tip to make installation easy. The zinc plated self-locking nuts give uniform clamping for a positive seal.
$549.99More InfoMelling 10050-700CT Billet Small Block Chevy Oil Pump, Circle Track(Part #577700)x
These billet aluminum oil pumps will give you a serious advantage over the competition. Not only do they provide a smoother oil flow through the pump, they give you 5-6 HP and have the pickup built right in.
- 25% increase in volume over stock oil pump
- Lightweight billet 6061-T6 aluminum housing & cover
- Protective hard-anodized coating on housing & gears
- Chromoly steel driveshaft
- Integrated stainless mesh pickup screen
- Has multiple pressure settings
- Supercharged inlet allows for improved performance at high RPMs
Includes 12550 chromoly intermediate shaft, stud kit and +10# and -10# relief springs.
$14.99$24.79More InfoARP 134-7901 Small Block Chevy Oil Pump Driveshaft Kit(Part #1011347901)x
These oil pump drive shaft kits from ARP are designed for use with heavy duty oil pumps for small block Chevy engines.
- Black oxide finish
- HD oil pumps
- Small Block Chevy
- Made in the U.S.A
$64.99More InfoDeluxe Hi-Volume Small Block Chevy Oil Pump(Part #577OP55HVD)x
This oil pump has all it's components hand picked and fit to make it the best. The nickel body and end plate have been machined to balance the pressure at all rpm's which also reduces cavitation and increases longevity. Includes three pressure springs and a steel oil pump driveshaft sleeve.
For Small Block Chevy V-8. Use 5/8" pick-up tube.
$39.99More InfoOil Drip Pan for Quick Change Units(Part #91081009)x
All aluminum construction. Easily pours hot oil with built-in corner spout. Comfortable, ergonomic handle. Max capacity is 6 quarts.
- All aluminum construction
- Easty to pour hot oil with built in corner spout
- Comfortable, ergonomic handle
$24.99More InfoSmall Block Chevy Windage Tray, Plain Steel(Part #91015100)x
Screen style oil windage tray for S/B Chevy engines using a stock style pan with rear sump. Ready to install. Fits 2 or 4 bolt main blocks.
$209.99More InfoChamp Pans CP100RB 1986-Up Small Block Chevy Oil Pan, 1-Piece Main(Part #91015108)x
Champ-style pan for 1986-Up small block Chevy. This pan is designed around the Camaro front stub with engine set back. Measures 7" deep with 6 trap doors, 2 runners, 3 crank scrapers, and a 8 quart capacity (including filter). Stock starter will fit.
Measures 7" deep x 14" wide x 12" long.
$49.99More InfoMoose Blocks 2510 Dry Sump Oil Tank Clamp for Motor Plate(Part #94018006)x
Dry sump oil tank clamp for Moose Blocks 2-piece motor plate. Black finish.
$25.99More InfoJOES Racing Products 25860 Micro Sprint Yamaha Oil Plug Cap(Part #96025860)x
These oil plug caps for Micro Sprint Yamaha engines are anodized red CNC machined with a 1/4" hex for easy tightening and drilled for safety wire. These caps feature an o-ring seal to keep dirt, dust, and debris out of your engine.
- CNC machined aluminum and is anodized red
- 1/4" hex for easy tightening and drilled for safety wire
- O-ring sealed to keep the dirt out of your expensive engine
$26.99More InfoLokar ED-5000ESB Engine Dipstick, Small Block Chevy 1979 & Earlier(Part #4915000)x
Features a billet aluminum handle with an O-ring seal. Seats directly into the engine block of pre-1980 S/B Chevy, does not use a tube. Shorty design is perfect for close quarters. Handle length is 2-1/2".
$2.99More InfoMandrel Bolt, Grade 8, 7/16-20 x 6 Inch(Part #91315914)x
Grade 8 mandrel bolt (7/16"-20 thread) fits small block Chevy V8 and our mandrels.
$19.99More InfoBraided Pressure Gauge Line Kit(Part #6174060)x
This braided pressure gauge line kit makes it a snap to hook up your pressure gauge. Can be used with oil, water, fuel or air. Includes AN 4 braided line, AN4 to 1/8" NPT male and AN4 to 1/8" NPT female. Choose from lengths of 25", 36" or 48".
$32.99More InfoKevlar Oil Pressure Gauge Line Kit(Part #9101898)x
This 3 piece kit includes a Kevlar 18" -4 AN line with 90° gauge fitting and a straight block fitting.
$89.99More InfoMelling 10553 Select Small Block Chevy Oil Pump, Standard Volume(Part #57710553)x
Melling Select Series oil pumps are engineered to give you superior oiling for your high performance engine. 5/8" pickup required.
- Steel billet gears with drive gear pinned to shaft
- CNC machined housing and cover plate
- Coated for wear and corrosion resistance
- 5/8" inlet
$4.99More InfoMandrel Bolt, Grade 8, 7/16-20 x 8 Inch(Part #91315915)x
Grade 8 mandrel bolt (7/16"-20 thread) fits small block Chevy V8 and our mandrels.
$1,249.99$1,499.99More InfoBarnes Systems 91174-C 4 Stage Dry Sump Pump(Part #20591174)x
Barnes pumps are built using only the finest materials and assembled to exacting tolerances. Unique design makes these pumps the smoothest and most efficient pumps in the industry. Billet aluminum bodies, large O.D. spur gears and ball bearings make for a winning combination.
Fuel pump drive kit allows a Hilborn Waterman, etc. fuel pump to drive off the back of the oil pump.
$15.99More InfoMoroso 37800 Chevy Block Deck Plug Kit(Part #54537800)x
Reduce upper cylinder wall distortion by installing 3/4" NPT plugs in deck water passage holes of S/B Chevy V8 and 90° V6 Chevys. Machining necessary after installation. Makes water passage holes 5/16".
- Reduces upper cylinder wall distortion
- Water holes must be tapped before the plugs are screwed in
- Block must also be decked after installation
- Plugs also restrict water flow to the cylinder heads by reducing size of water passage holes to 5/16"
$14.99More InfoAluminum Oil Pan Inspection Plug, 1 Inch NPT(Part #617600)x
Some sanctioning bodies mandate you have an inspection plug in your oil pan to allow officials to check out your rotating assembly without pulling the pan.
KSE Racing Products KSD1023 Front Cam Mount Dry Sump Drive-1/2 In. Hex(Part #91015555)x
KSE cam mount 1/2" hex dry sump drive.
$4.99More InfoBolt and Washer Kit for Claimer Oil Pan(Part #91017411)x
Allen button-head bolt set with lock washers for Speedway Claimer small block Chevy oil pans.
$5.99More InfoPeterson Fluid Systems 05-0741 Aluminum Mandrel Spacer, 3/8 Inch(Part #91615927)x
Mandrel spacer to properly space and align the mandrel pulley pack.
$569.99More InfoAluminum Sprint Dry Sump Pan(Part #940360410)x
Beautifully fabricated. Built with billet aluminum rails and has two 12 port fittings on front of pan. This pan also has an inspection plug and it uses a -12 AN fitting. Lightweight.
$7.99More InfoMoroso 38550 Small Block Chevy Oil Pan Self Locking Bolt Kit(Part #54538550)x
Use these quality self locking oil pan bolts for small block and 90° V6 Chevy and Oldsmobile V8's. They feature integral serrated washer face to provide a self-locking effect. Comes in a set of 18.
- Small block and 90° V6 Chevy and Oldsmobile V8's
- Integral serrated washer face provides self-locking effect
- Set of 18
- Grade 8 steel cadmium plated
$179.99More InfoSmall Block Chevy Champ Style Pan(Part #91015106)x
Champ style pan for 1980-1985 Small Block Chevy. 7" deep, 6 trap doors, 2 runners, 3 crank scrapers, 7 quart sump. Stock starter will fit.
910-15106 Instructions (pdf)
$219.99More InfoRound Dry Sump Oil Tank, 7.5 QT, 16 Inch Tall, 6 Inch O.D.(Part #91015165)x
This 6" round dry sump tank features internal baffling for less aeration. Two 3/4" NPT fittings for return lines, one AN 12 outlet and 3/8" NPT for vents and drain. Removable top for easy cleaning.
- The -12 AN outlet is only applicable to the "Male" tank
- The 3/4" NPT is only applicable to the "Female" tank
- Mount bracket sold seperately
- The -12 AN outlet is only applicable to the "Male" tank
$39.99More InfoChamp Pan Pick-Up, 5-Bolt B/B Chevy Pump(Part #91015131)x
3/4" Oil Pump Pickup for 5 bolt Big Block Chevy Pump.
$21.99More InfoChamp Pans Oil Pump Pick-up for 4-Bolt Small Block Chevy HV Pump(Part #91015130)x
Zinc plated steel champ style oil pan pick-up for 4-bolt small block Chevy high volume oil pumps. Has a 5/8" diameter tube.
1 - 40 of 118 Results


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All quotes tagged Dated
(955 quotes found)
"I was without a boyfriend for along time. I wouldn't settle for going out on a date just for the sake of going out. I was perfectly content. I'd rather have that than a string of non-meaningful relationships."
"I don't understand the whole dating thing. I know right off the bat if I'm interested in someone, and I don't want them to waste their money on me and take me out to eat if I know I'm not interested in that person."
"Some day you'll have someone worth holding on to... Someone who won't ever want to let you go...Someone who won't make you wonder if they were the one who got away, because that someone will be right there beside you, thanking the other someone who let you get away."
"Boyfriends have to understand me and my needs. They have to know what I want out of my life and about my strict regime. I go to bed at 10pm and not later. I separate my professional and private lives."
"If you're a young Mafia gangster out on your first date, I bet it's real embarrassing if someone tries to kill you."

subset: commoncrawl


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Utica Weather
Current Temp 31.0 °F
Wind : East at 8.1 MPH (7 KT)
Humidity : 76 %
Pressure : 1027.3 mb
Two arrested for allegedly stealing spikes from CSX Railroad
WHITESTOWN, N.Y. (WKTV) - Two local men are facing charges related to a theft on the CSX Railroad Friday.
Shane M. Witzigman, 29, of West Leyden and James A. Brower, 38, of Taberg were arrested and charged with third degree criminal trespass and petit larceny.
Whitestown Police said they responded to the CSX Railroad near Thomas Road at around 1:30 p.m. The duo were allegedly gathering steel spikes used to hold the rails to the railroad ties. After a brief foot pursuit they were taken into custody.
They were arraigned and taken to the Oneida County Correctional Facility.
More On Demand mini
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The Graduate School of Management's Annual Giving campaign, which runs from July 1 to June 30 each fiscal year, generates critical support and makes possible a range of educational and networking events for alumni, students and business constituents. Our entire community benefits from the School's expanded reputation, influence and outreach.
Tim Keller MBA 08 has a dream—and the persistence to make it a reality. A UC Davis viticulture and enology alumnus, Keller worked for 12 years as a winemaker in Sonoma and Napa counties before enrolling in the Graduate School of Management.
Today he's the co-founder and CEO of VinPerfect, maker of a revolutionary screwcap for wine bottles that is poised to turn the 21-billion-unit annual global market for wine closures on its head. He's joined in this quest by former classmate Collin Casper MBA 08, VinPerfect's co-founder and COO.
Dear Members of the GSM Community:
I wish to update you on an issue of interest to the UC Davis Graduate School of Management community.
In a few months, U.S. News & World Report will release its annual ranking of graduate business schools. These rankings incorporate several key MBA student metrics that are self-reported by the schools to U.S. News such as: grade point average, GMAT score and percentage of applicants accepted by the school.
Click a term to refine your current search.
UPDATE: Andrew Barkett is leaving his post as senior engineer at Facebook to bring his decade of experience in Silicon Valley to become the first-ever chief technology officer for the Republican National Committee.The June 4 announcement has stirred a whirlwind of media coverage, including the Huffington Post and Washington Post.Bark
Agilent Technologies' Electronic Measurement Group is a $3.6 billion business that over the past decade has seen a dramatic shift in its customer base from U.S., and Western European customers to predominantly Asia-based customers. Today, the majority of the division's revenues are generated outside of the U.S., with an increasing concentration in China.
(Davis, CA) — The UC Davis Graduate School of Management's full-time MBA program has been ranked among the top six percent of AACSB International-accredited programs nationwide, according to U.S. News & World Report's latest graduate business school rankings released today.
The secret of Midtown Sacramento's Facebook gaming mogul Mark Otero's success is taking things to the extreme.


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MacDermid's ZinKlad 1000B (TnT-12) finish has been approved to GMW 16730, a General Motors finish specification. This high gloss, zinc nickel coating will replace the current GMW 4205 specification for all new applications, the company says.
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The Voice of the Finishing Industry Since 1936 Copyright © Gardner Business Media, Inc. 2014


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Dáil Éireann - Volume 628 - 29 November, 2006
Written Answers. - Milk Quota.
Mr. English Mr. English
Mr. English asked the Minister for Agriculture and Food her position on the abolition of milk quota; and if she will make a statement on the matter. [40475/06]
Mary Coughlan Mary Coughlan
Mary Coughlan: The current position is that the EU milk quota regime was extended to 2015 as part of the Luxembourg Agreement on the reform of the CAP. The Commission may bring forward proposals on the future of milk quotas as part of the 2008 'Health Check', which may require a Council decision. I will keep the position under review and will evaluate any proposals that may be made by the Commission with a view to ensuring the best outcome for the Irish dairy sector.
Dáil Éireann 628 Written Answers. Milk Quota.


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Thanks for visiting my website!
I am a clinical psychologist, licensed in the United States (Oregon Lic #1957) , and in Canada (Quebec Lic #06519-92) since 1992. I have been a University professor, workshop leader, therapist supervisor and the author of several books and articles, among which the award-winning "Reel Fulfillment", a personal growth method using inspiration from popular movie characters.
For over 20 years, I have dedicated my life to helping people from all walks of life and ethnic, cultural, and personal backgrounds overcome inner limitations, make successful life transitions, develop inner strengths, find meaning and purpose in their lives, and learn to love God, themselves and others, so they become examples of wholesome living to their families, colleagues, and friends.
I am currently in private practice, in Medford, Oregon. I provide counseling and psychological services in person and over the phone to adolescents, adults, families and couples. I am also available for workshops, lectures, seminars and retreats.
To know more about me, please read about my background and areas of expertise.


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All food that you eat turns to sugar in your body. Carbohydrate-containing foods alter your sugar levelsmore than any other type of food. Carbohydrates are found in starchy or sugary foods, such as bread, rice, pasta, cereal, potatoes, peas, corn, fruit, fruit juice, milk, yogurt, cookies, candy, soda, and other sweets.
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Corkbin Wine App for iPhone and Android
Get the App
App Store
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4 posts
Monti Barolo 2001
one year ago
Parusso Mariondino Barolo 2000
one year ago
Celebrating our friend Sara's 40th birthday in Las Vegas. Having dinner at Jean George.
1982 Chateau Lafite Rothschild
3 years ago
1982 Lafite Rothschild at Chef's Table at Carmel with Keith, Rae, Danny and Suzanne


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Show You The Money
Most agencies accept a flat commission from their vendors because it's the easiest to track and all financial risk is taken out of the hands of the government. If you are reviewing a short list of potential "comprehensive and exclusive" concessionaires, you will have more negotiating leverage and may want to consider other means of remuneration, if it means more revenue for your department.
To illustrate, I will use the example of a 500 square foot golf course pro shop. A review of retail leasing in your area determines that $15 is the average price per square foot being paid, or $7,500 annually.
If 100,000 people visit this course every year, and your receipts indicate that 1% of these visitors made an equipment purchase in the shop and their average purchase was $30, then you can project commission revenue on different levels:
5% $1,500
10% $3,000
20% $6,000
25% $7,500
30% $9,000
In this example, you can see that you would need a 25% commission on gross receipts to earn as much as you would from a no-risk lease. You would take the lease option unless you negotiated the commission higher than 25%.
Also, if your concessions package is large enough, you may be able to use a comprehensive relationship to help you build that new facility you've been wanting. For large deals, a concessionaire will sometimes contribute capital toward the construction of a new facility, preferably one in which it would be working. In return, the agency agrees to accept a much lower commission rate from the vendor.
You will also want to investigate a lease-commission combination, whereby the agency is guaranteed a minimum amount of revenue, but can also reap greater rewards if business surpasses expectations.
Akin to this strategy is the fixed-price-with-incentives contract. Here the agency receives a predetermined amount and will provide incentives for the concessionaire to continuously improve performance.
Grant Alert
The Land O'Lakes Foundation in St. Paul, Minn., is supported by Land O'Lakes Inc. The Foundation's mission is to "improve the quality of life in communities where Land O'Lakes Inc. has members, employees, plants and facilities; to proactively help rural communities prosper and prepare for tomorrow by donating resources that develop; and to strengthen organizations dedicated to human service, education and youth, civic and art endeavors."
The Community Grants Program supports organizations throughout the north central, western, and eastern United States with cash awards and through employee volunteers.
Areas of interest include: alleviating hunger; building knowledge and leadership skills of rural youth; agricultural and cooperative education programs; supporting stewardship of soil and water resources while maintaining a positive balance between the environment, agriculture and global food needs; and quality artistic endeavors.
Extensive information on eligibility, guidelines and deadlines are available on-line and applications can be downloaded in Word format.
There is also a Matching Gifts for Educational Reform. Programs can apply to participate, allowing any employee gifts to be matched by the foundation.
Grants are made in communities in the following states: California, Idaho, Indiana, Iowa, Maryland, Michigan, Minnesota, Montana, Nebraska, North Dakota, Ohio, Oregon, Pennsylvania, South Dakota, Virginia, Washington, Wisconsin.
There are grants lists, contact information, and annual reports available on the site. Visit www.foundation/landolakes.com for more information and specific application instructions.
Mick Jackowski, Ph.D., is an alternative funding specialist who can be reached at email@example.com.
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Western Union Prepaid Cards Now Available At 7,400 Family Dollar Locations
Beginning this week, two industry-leading Western Union prepaid cards will be available at more than 7,400 Family Dollar locations in 45 states.
Western Union (NYSE: WU) and Family Dollar Stores, Inc. (NYSE: FDO) are now offering the award-winning Western Union® Gold Card MasterCard and the Western Union® Telemundo MasterCard at Family Dollar stores throughout the U.S. Western Union and Telemundo created the co-branded card to better serve Hispanic consumers, the fastest- growing consumer segment in the U.S.
"Customers – both our own and those of some of the leading prepaid programs in the market – have told us they are highly satisfied with our cards," said Mike Hafer, Senior Vice President, Global Prepaid, Western Union. "They see our cards as an easy, affordable way to manage their finances, with no monthly, transaction or overdraft fees. We're pleased to join forces with retailers around the world like Family Dollar to introduce innovative and unique prepaid solutions."
"Western Union's prepaid cards align with Family Dollar's strategy of providing customers with great value and convenience," said Paul White, Family Dollar's Executive Vice President and Chief Merchandising Officer. "We believe that the cards will appeal to our current customers, as well as attract new customers to our stores."Both of the cards can be used anywhere debit MasterCard is accepted, including at ATMs and for online shopping. Cardholders can "top up" or reload their cards four ways:
- At more than 60,000 retail locations, including Family Dollar stores and 46,000 Western Union Agent locations throughout the U.S.
- Via payroll or government benefits direct deposit;
- Directing a Western Union Money Transfer® directly onto the card;
- Transferring money to the card from a bank account.
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Contact: Sarah Yang
University of California - Berkeley
Caption: This schematic of the tether-free SIMBAS chip shows some of the functional elements, such as the blood loading area, the plasma separation microtrenches, detection sites and the suction flow structures.
Credit: Ivan Dimov image
Usage Restrictions: All rights reserved.
Related news release: New blood analysis chip could lead to disease diagnosis in minutes


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My junior year of high school I went to go see Dark Water with a group of my male friends.
The premise of the movie is a single mother and her daughter move into an apartment. They soon find that there are these dark water spots appearing in which a little girl is coming from and haunting the daughter.
Afterwards, we went to the only restaurant open in our town still. We were eating and talking for a while and I realized I needed to go to the restroom. I went in and locked the door outside determined to finish quickly because of the movie we just saw.
After I washed my hands, the lights went out. I am afraid of the dark and began fumbling around in the dark for the door and the lock. However, the lock wouldn't come undone and neither would the door. This, my friends, is when I began screaming and banging on the door.
A minute later I heard whispering outside which furthered my paranoia. I had unlocked the door, but still could not open it up. I silently said a prayer and the door opened by itself. When the door opened, I saw all of my male friends absolutely horrified standing in the dark with the rest of the restaurant.
Turns out I was pushing on the door instead of pulling it (lights help) and the electricity in our whole town went out. I'm a lucky lucky girl the lights went out after I had used the bathroom.
This is also the story of the last horror flick I saw.


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Ben O'Donoghue
33-year-old Ben O' Donoghue started his career working in a number of top-class Australian restaurants including Tribeca in Sydney and Jessicas in Perth before moving to London.
For four years, he worked at The River Café before joining his best mate Jamie Oliver at the exclusive Monte's Club as head chef. He now heads up the kitchen at the trendy Atlantic Bar and Grill.
Ben has worked with Jamie as a consultant food stylist as well as assisting him with various outside catering functions, including cooking for Tony Blair and the Italian Prime Minister.
He has co-hosted the television series The Best (2002), and appeared on Saturday Kitchen (2002) and Planet Food (2001).
In his time off, Ben enjoys surfing and pilates.


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I was wondering what could be done only with closed rhinoplasty and not open rhinoplasty? (a longer recovery time period does not fit in well for me)? The hump on the bridge of my nose is one thing I would like changing and maybe a narrower tip (especially if the bridge would be thinner due to the hump reduction and then look out of place). How possible would good results be discounting open rhinoplasty? In an ideal world I wouldn't mind but again, the recovery period is one of my major issues in deciding. Thanks.
How Much Work Could Be Done with Closed Rhinoplasty?
Doctor Answers (14)
Promoted Local Answer Promoted local answers are based on Featured Doctor activity within your current location.
Dont think of a closed rhinoplasty as a weaker or less adequate procedure to the open rhinoplasty. Almost everything than can be corrected with an open approach can be corrected with a closed approach. There are some surgeons like Bobby Simon in Miami who almost never open a nose and there are others like Dean Toriumi in Chicago who open almost every nose. Its just a matter of preference and training bias. The fact is that a great closed nose job is much better than a lousy open nose job and a great open nose job is much better than a lousy closed one!
Do your research and choose the right surgeon.
Web reference: http://www.virginiarhinoplasty.com/
Open versus closed rhinoplasty
If you are planning to have tip work done, you are probably better off having an open rhinoplasty. Yes, the swelling persists longer than a closed rhinoplasty. Remember that a rhinoplasty will last a lifetime, so don't you want it done with the most precision that you can get?
How Much Work Could Be Done with Closed Rhinoplasty?
I would not be concerned with techniques of open vs. closed as much as the skill of your surgeon. In your case, whether I did closed or open, I would address your mid nasal vault by putting cartilage batten grafts to prevent future collapse (an inverted V deformity) after hump removal. We can show you pictures of both open and closed rhinoplasties a week to ten days later that looked fantastic.
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All work can be done with closed rhinoplasty
The same techniques can be performed with both an open or closed rhinoplasty. The only exception is in a closed rhinoplasty the incision is not made across the columella. Tip cartilage grafting techniques, refinement of the entire nasal tip, hump removal of bridge, and narrowing of the sidewalls is easily accomplished through a closed rhinoplasty technique. There is less swelling and edema and a lack of the incision across the columella with a closed rhinoplasty.
Web reference: http://www.seattlefacial.com
Open versus closed rhinoplasty
Your concerns can definitely be addressed with a closed rhinoplasty. Major tip work and significant reductions in the dorsal hump area of the nose usually require the open approach. Nontheless, if your surgeon does need to convert to an open rhinoplasty the added incisions heal remarkably well. Good luck!
Web reference: http://www.DrSchreiberPlasticSurgery.com
Nose jobs: open or closed rhinoplasty?
It appears that your nose could be managed using a closed approach. Both the tip and the hump could be managed in this fashion. Open rhinoplasty is generally better for complex nasal surgery or for secondary rhinoplasty.
Most people only need closed rhinoplasty.
1) From your pictures, closed rhinoplasty is all you need. It has no scar and quicker recovery, and open rhinoplasty would not give you a better result.
2) I have noticed that younger or less experienced surgeons only do open rhinoplasty, because you can see the cartilages and it is easier if you are not totally at home with the anatomy. But most people don't need it.
Downtime is Minimal after Open Rhinoplasty.
After your Rhinoplasty surgery, you'll be on house rest for one week. Your dressing is removed around 7 days after surgery, and your nose will look a bit swollen, and you may have bruising under your eyes. I advise against strenuous activity till 3 weeks after surgery, and then there are no restrictions.
I've attached a link to my Rhinoplasty photos for your perusal. I show several early photos at 3 weeks following surgery, and you'll see that there is no obvious evidence of surgery at that time. Most folks go back to work 10 to 14 days following surgery.
Almost all of the nose-jobs I perform is via the open approach. It allows for excellent visualization and restructuring of the underlying nasal framework. In my hands, open Rhinoplasty typically leads to results that exceed my patient's expectations. The open Rhinoplasty technique I use was learned during my fellowship in Advanced Facial Plastic and Reconstructive Surgery over 10 years ago, and it has been a reliable method of addressing most cosmetic and functional nasal issues.
The certification, experience, and results of your Rhinoplasty surgeon are the most important factors. So go on several consultations, and choose carefully before proceeding.
Good luck, and best regards.
Web reference: http://ericmjoseph.com/index.cfm/ProcedureNameID/90/PageID/4141
Open or closed rhinoplasty
Open Versus Closed Rhinoplasty -- Surgeon's Experience is More Important
While many patient's may have a preference for one approach versus the other, your surgeon will recommend the approach that he or she feels is most appropriate, and the surgical technique employed depends primarily on the goals established by you and your surgeon. Some surgeons perform exclusively closed rhinoplasty while others prefer open rhinoplasty. There are surgeons who perform both types of rhinoplasty depending on the patient's needs.
In the end, the most important factor that affects the success of the rhinoplasty is the surgeon's experience.
Web reference: http://rhinoplasty-usa.com/html/meet-dr-cochran.html
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.


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Hart of Dixie: Watch Season 3 Episode 9 Onlineby Matt Richenthal at . Comments
Hart of Dixie finally returned with a new episode this week, following far too long of a winter hiatus.
Fortunately, as the title teased, Hart of Dixie Season 3 Episode 9 did give fans "Something to Talk About."
We had Lavon fearing what will happen when Bluebell merges with Filmore. We had Tansy, Shelby and Rose all returning to help fill the void left by Lemon. And we faced a near certainty that Lynly will soon depart.
Will Lavon really be recalled as Mayor? Do you love Shelby as much as we do? What about Tansy?'
There's plenty of characters to discuss and breakdown from this installment, so watch Hart of Dixie online below and then sound off on the latest happenings.
Matt Richenthal is the Editor in Chief of TV Fanatic. Follow him on Twitter and on Google+.Tags: Hart of Dixie
I used to love this show.. what happend. I just don't understand one single episode of season 3. Joel?? What for. There is NO connection between him and Zoey. Linly?? Nobody needs this charakter. And worst Wade an Vivian. The show lost all the emotional ups and downs I used to love. I'm truely disapointed. Every episode I hope for Joel and Zoey to finally break up. Now I'm only hoping for a acceptable season finally..
GOOD TOGETHER YES YES YES YES .......... wade and zoe
george and tansy
joel and AB
meatball and linly
lavon and lemon
all this people couple have CHEMISTRY AND SPARKS .
still love lavon and lemon together so good sparks and chemistry this two never see sparks with AB if lemon was here she will help lavon this two much get together and get merry there is not chemistry with AB there


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The Mashies Award Ceremony
Thursday, October 10, 2013 from 6:00 PM to 10:00 PM (EDT)
Mashable's new awards show celebrates the best in digital across marketing, advertising and social media. From the most outstanding examples of real-time marketing and social media campaigns to the most creative viral videos and best use of GIFs, the Mashies will highlight the biggest stars in digital marketing at our inaugural award ceremony.
Join us on October 10, at the Altman Building in New York City, to meet the finalists and celebrate the winners of the Mashies.
The evening will be filled with performances, special guests, cocktails and a passed dinner. One of the hottest comedians in New York, Godfrey, will be the host for the evening, and we'll be announcing additional entertainment soon.
For information on sponsorship opportunities for the Mashies please contact email@example.com.
Mashable is a leading source for news, information and resources for the Connected Generation. Mashable reports on the importance of digital innovation and how it empowers and inspires people around the world. Mashable's record 34 million unique visitors worldwide and 14 million social media followers are one of the most influential and engaged online communities. Founded in 2005, Mashable is headquartered in New York City with an office in San Francisco.
In order to purchase these tickets in installments, you'll need an Eventbrite account. Log in or sign up for a free account to continue.


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Subject: Oceanography
Earth System Topics: Oceans Show all Earth System Topics: Oceans
Ocean Environments
Resource Type: Activities
Results 1 - 10 of 64 matches
Ocean Acidification
Jennifer Bown, Clackamas Community College
Students choose shell fragments from different species of Molluscs and calculate percent lose after soaking in different ph solutions for different periods of time. They research ocean acidification and especially ...
Learn more about this review process.
2004 Asian Earthquake and Tsunami Disaster Project
Char Bezanson, Eastview High School, Apple Valley, Minnesota
Students are employees of a unit of the United Nations responsible for coordinating disaster relief after a major disaster (the 2004 Asian Earthquake and Tsunami) occurs. The agency needs to understand the ...
Learn more about this review process.
Using Google Earth to measure seacliff erosion rates
Alfred Hochstaedter, Monterey Peninsula College
This lab uses Google Earth to measure the rate of seacliff retreat. It touches upon coastal processes, natural hazards, and coastal management issues. The central focus of the lab is in the Monterey Bay area.
Learn more about this review process.
Using eJournal writing assignments to assess learning and classroom community
Ed Laine, Bowdoin College
About every two weeks I ask each student in my introductory course to write brief responses to questions I pose to them. They write these in an e-Journal, a part of the blog function of BlackBoard. My laboratory ...
Analyzing Real-Time and Historical Wave and Sea Surface Data
Amy Stinson, Irvine Valley College
Students gather and analyze real-time and historical wave height, and sea surface temperature data with emphasis on U.S. west coast and Southern California locations. Analysis of the wave height data allows ...
Maritime Aquarium, Norwalk CT - Field Trip Assignment
Eryn Klosko, SUNY Westchester Community College
Self-guided field trip assignment to the Maritime Aquarium in Norwalk CT
When is Dinner Served? Predicting the Spring Phytoplankton Bloom in the Gulf of Maine (College Level)
Brian Welch
College-level adaptation of the Earth Exploration Toolbook chapter. Students explore the critical role phytoplankton play in the marine food web. -
Exploring Seafloor Topography
Sandra Swenson
DATA: Digital Elevation Model Data. TOOL: GeoMapApp. SUMMARY: Explore a timeline about how we have learned about the oceans. Construct a profile across the Atlantic Ocean and create 3-D visualizations of the seafloor.
The 2004 Sumatra Earthquake and Tsunami
Steve Kluge
In this multi-part activity, students study seismograms from different seismic stations recording the Sumatra earthquake of December 26th, 2004 and then determine the epicenter of the quake and track the tsunami it ...
Gulf Anoxia Course Project
Sadredin Moosavi, Tulane University of Louisiana
In this activity students work in groups to investigate the problem of Gulf of Mexico hypoxia before developing mitigation strategies based on local contriubtions to the problem. The students present their ideas in a public meeting debate format from which a solution must be selected by the entire class.


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Recipes for Cheesecake Bars & Squares
Explore more recipes for cheesecake bars and squares listed below the featured recipes:
Two all-time favorite desserts, cheesecake and lemon bars, come together to create one fabulous bar studded with blueberry juice-infused dried cranberries.
A tasty combination of chocolate and peanut butter complement these cheesecake bars.
No need to wait for a special occasion for cheesecake. Enjoy these creamy lemon bars tonight.
- Berry Cheesecake Brownies
- Blueberry Lemon Cheesecake Bars 1
- Blueberry Lemon Cheesecake Bars 2
- Butterscotch Cream Cheese Bars
- Butterscotch Cream Cheese Swirl Brownies
- Cheesecake Bars
- Cheesecake Bars with Cranberry Swirls
- Cheesecake Squares 1
- Cheesecake Squares 2
- Cheesecake Squares with White Chocolate
- Cherry Cheese Brownies
- Chocolate & Peanut Butter Cheesecake Bars
- Chocolate Cheesecake Bars
- Chocolate Cheesecake Brownies
- Chocolate Cheesecake Squares
- Chocolate Chip Cookie Cheesecake Brownies
- Chocolate Chip Cranberry Cheese Bars
- Chocolate Cream Bars
- Chocolate Cream Cheese Brownies
- Citrus Cheesecake Bars
- Cranberry Cheese Bars
- Cranberry Pumpkin Crumble Cheesecake Squares
- Cream Cheese and Kahlua Brownies
- Cream Cheese Bars
- Cream Cheese Brownies
- Cream Cheese Fruit Squares
- Easy Cheesy Lemon Bars
- Easy Cream Cheese Fruit Squares
- Easy Rum Cheesecake Bars
- Favorite Cheesecake Squares
- Fudgey Mint Cheesecake Bars
- Fudgy Cheesecake Swirl Brownies
- Honey Choco-Cheese Brownies
Return to Bars & Brownies Recipes Index


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Includes dogs, cats and birds
For small animal appointments
call (979) 845-2351
Browse services for small animals >>
Includes horses and cattle
For large animal appointments
call (979) 845-3541
Browse services for large animals >>
Antibiotic resistance is a well-known menace: Witness the
dangers of hospital-acquired MRSA infections, or the totally
drug-resistant tuberculosis found in India earlier this year. FDA
statistics show that over 80 percent of antibiotics used in the US
are given to livestock, and heavy animal use is thought to be one
of the drivers of resistance among human pathogens. So it behooves
veterinarians and public health officials alike to stamp out
antibiotic resistance in animals.
Read Full
Texas A&M University, College Station, Texas 77843
| Site maintained by CVM Web Development. | © 2013 Texas A&M University


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Cadet Profiles
|Hudson Falls, NY
|Information Technology with Minor in Information Systems
|Computer Networking, reading, soccer, football, spending time with family
|"ROTC is the reason that I am in school. It allows me to serve my country and get my college education at the same time. I am even able to do this with a wife and two children at home. In addition to normal classes, I am also the ROTC webmaster. On top of everything else, I have prior military service. The ROTC SMP program allows me to be in the National Guard and ROTC at the same time. I also currently work at Marist as a student worker in the Telecommunications department. This supplements learning within my major and assists what I plan to do in the Army."
|River Edge, NJ
|Criminal Justice with Minor in Psychology
|Spending time with friends, listening to music, fishing, and playing sports
|"I joined ROTC because of my strong desire to serve in the military. I really enjoy being a part of the ROTC program here at Marist because of the personal relationships we are able to build with both each other and our instructors. Through the ROTC program, I have been able to attend the United States Army Airborne School and the United States Army Air Assault School. In addition to this, I traveled to Ft. Lewis, WA for the Leadership Development and Assessment Course (LDAC) where I trained with cadets from all over the country. The leadership experience I have received through ROTC has greatly improved my confidence in being a leader and has prepared me to work well with others in both the military and civilian lifestyles."
|Lake George, NY
|Criminal Justice
|Boating, waterskiing, lacrosse, reading, writing, movies, history, volunteering, running, sports and hanging out with friends
|"I attended military school for seven years. I am a New York Army National Guardsman. I participated in the HIDTA Internship. I have gone undercover with the City of Poughkeepsie Police as well as TSA (Transportation Security Administration). I attended the Leadership Development and Assessment Course (LDAC) this summer as well as studied overseas through the Cultural Understanding and Language Program (CULP) in the Republic of the Marshall Islands. I am Charlie Company commander in ROTC here at Marist."
|Shoreham, NY
|English with Minor in Paralegal
|Reading, writing, running, and exercising
|"At Marist I am part of these organizations among others: Student Government, Campus Sustainability Advisory Committee, Interpersonal Violence Prevention. Since being at Marist College, and involved in ROTC I have spent a semester in Florence, Italy, a summer at Fort Knox's Leadership Training Course (LTC) through ROTC, and I will be traveling to Burkina Faso in the summer of 2012 with the Cultural Understanding and Language Program (CULP) through ROTC."
|Rye, NH
|Criminal Justice with Minor in Spanish
|Rugby, travel, and ping pong
|"I joined ROTC as a freshman on a four year scholarship. My sophomore year I was given the opportunity to travel abroad to Seville, Spain during the Spring Semester. When I returned I attended Basic Airborne Course at Fort Benning, GA. This summer I will be traveling back to Spain through the Cultural Understanding and Language Program (CULP) to spend three weeks with one of their Special Forces Groups. Right now I am interning in a joint program between the District Attorney's office and the NY National Guard targeted at gun trafficing in Harlem and competing to earn the German Proficiency Badge."


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- Good Sam Club News - http://blog.goodsamclub.com -
Carolina Cruisin'
Posted By Good Sam On December 1, 2012 @ 9:01 am In RV Destinations | No Comments
[4]Nothing could be finer than to see the Carolinas
by Lee Barnsthan
The glow of the rising sun peeping over the lush green mountains slowly begins to filter into your cozy RV bedroom. Donning a light jacket, the air is surprisingly crisp as you step from your RV into the cool mountain air. The calendar says it's late May, but nestled high in the hills of western North Carolina, summer's heat has not yet arrived. Today begins your exploration of North and South Carolina—an adventure that will end at the shore. Both states boast pristine beaches, history spanning hundreds of years and beautiful mountainous areas.
"Within a day's trip, you could go from the cool, deep water of a mountain lake to the sultry weather of the Atlantic coast," said Dawn Dawson-House, Director of Public Relations for the South Carolina Department of Parks, Recreation & Tourism. She was speaking about her state, but she could just as well have been talking about her northern neighbor.
"We've got diversity, it's a big selling point," said Walton Ferrell, Public Relations Director for the North Carolina Division of Tourism.
Both states' beaches are beauties to behold. In the north, one can take a five-day self-guided tour of lighthouses and sites where pirates frequented. To the south, there is Myrtle Beach and the Grand Strand, a 60-mile stretch that features great shell collecting and sun bathing as well as golf, historic tours, entertainment complexes and the world's largest collection of American sculpture, at Brookgreen Gardens.
Another well-known aspect of North Carolina is its furniture-making industry. More than 60 percent of all furniture made in the USA is made within a 200-mile radius of the central part of the state. If this were a country, its capital would be High Point, the "Home Furnishings Capital of the World". With more than 70 furniture stores within its city limits, one can find just about any style, type, model, material and manufacturer in the High Point area. Be sure to check out the High Point Museum and Historical Park, where exhibits tell the story of how the large Quaker population settled here and made High Point the furniture juggernaut it is. The museum also has been named the first "Senior Friendly" museum in the state. Jazz aficionados are also going to want to check out John Coltrane's digs.
On the North Carolina side of the Great Smoky Mountains in Asheville is the Biltmore Estate, known as "America's Largest Home". In the grand tradition of the mansions of Newport, R.I., the Biltmore is another example of Vanderbilt opulence and wealth. There are 65 fireplaces, a 70,000-gallon indoor pool, 23,000-volume library, bowling alley, priceless art and antiques in its 250 rooms. The estate also includes a winery, exquisite gardens and a working farm village that shows visitors how the estate sustained itself.
Because both states are part of the original 13 colonies, there is more history than just Civil War-era plantations and slaves. Dawson-House said South Carolina calls itself "The Battleground of Freedom" because more Revolutionary War battles were fought here than in any other state. The archaeological site in Dorchester lets the public get involved with excavating a colonial town. Charleston, S.C. also has 73 pre-Revolutionary buildings, 136 structures from the late 1700s and more than 600 others built before the 1840s.
If you prefer the Civil War era, there are plenty of plantations, such as Middleton and Hampton in South Carolina and Stagville in Durham, N.C., where re-enactors re-create the lives of plantation owners and slaves.
North Carolina offers various self-guided, five-day tours to such historical sites as Andy Griffith's hometown of Mount Airy, the places Hollywood came to shoot the movies "Bull Durham" and "Forrest Gump," Greensboro's historic Museum, home to exhibits about O. Henry and Edward R. Murrow; and the North Carolina School of the Arts, which houses the second largest non-commercial collection of films.
Motorsports fans will want to pay a visit to the two capitals of NASCAR Country, Lowe's Motor Speedway in Charlotte, N.C., or Darlington (S.C.) Raceway. Park in the infield and enjoy the fastest growing sport in America. There are almost 100 auto-racing tracks in these two states, 69 of which are in North Carolina. Twelve months a year there is an auto race somewhere in North or South Carolina. Both Lowe's and Darlington also feature museums dedicated to the sport and its history.
The states' golf courses provide welcome (and quieter) alternatives for all handicaps. The most famous is Pinehurst No.2 in North Carolina, considered one of the greatest in the world. The first, however, was Tanglewood, in the mountain resort area of Linville. South Carolina has professional tour stops in Hilton Head and Myrtle Beach as well as a seniors event at Kiawah in 2007. South Carolina also offers courses inside the vast state park system, and the Myrtle Beach area is a golf mecca, with over 80 courses to play.
Most state parks, especially in South Carolina, offer RV-friendly campsites. Many are in the mountains, with spectacular views of pristine, untouched land. North Carolina offers the Blue Ridge Parkway and the Smokies, full of waterfalls, hiking trails, trout fishing and skiing. In the south, state parks such as Devils Fork, Oconee and Table Rock offer beauty tucked far away from civilization. These and other parks provide visitors with a base of operations that allows for easy exploration.
For additional North Carolina tourist information, please visit www.visitnc.com [5] or call (800) VISITNC (800-847-4862). For additional South Carolina tourist information, please visit www.discoversouthcarolina.com [6] or call (803) 734-1700 between 8:30 a.m. and 5:30 p.m. Eastern Time.
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[6] www.discoversouthcarolina.com: http://blog.goodsamclub.comwww.discoversouthcarolina.com%2520
[7] South Carolina So Much to See & Do in the Palmetto State: http://blog.goodsamclub.com/2014/02/south-carolina-so-much-to-see-do-in-the-palmetto-state/
[8] Affinity Events RV Shows Are Your One-Stop-Shop This Spring: http://blog.goodsamclub.com/2011/01/affinity-events-rv-shows-are-your-one-stop-shop-this-spring/
[9] Road Food Geezer Style: http://blog.goodsamclub.com/2010/08/road-food-geezer-style/
[10] Service Contract Cancellation: http://blog.goodsamclub.com/2014/12/service-contract-cancellation/
[11] Refrigerator Repair Repeat: http://blog.goodsamclub.com/2014/11/refrigerator-repair-repeat/
[12] Peeling Decal: http://blog.goodsamclub.com/2014/10/peeling-decal/
[13] GOOD SAM RV PARKING RIGHTS COUNCIL NOTIFICATION: http://blog.goodsamclub.com/2014/09/good-sam-rv-parking-rights-southington-ct/
[14] Unsupported Mattress: http://blog.goodsamclub.com/2014/09/unsupported-mattress/
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Fiscal Cliff Deal Would Pale Against Expectations
By ANDREW TAYLOR and ALAN FRAM
WASHINGTON (AP) â¿¿ A Capitol Hill deal to avert the "fiscal cliff" was proving elusive Sunday as a deadline to avert tax hikes on virtually every American worker and block sweeping spending cuts set to strike the Pentagon and other federal agencies grew perilously near.
Senate Majority Leader Harry Reid, D-Nev., and Senate Republican leader Mitch McConnell remained at odds on such key issues as the income threshold for higher tax rates and how to deal with inheritance taxes, among other issues. McConnell complained that Reid had yet to respond to a GOP offer made Saturday evening and reached out to Vice President Joe Biden, a longtime friend, in hopes of breaking the impasse. Biden assumed the lead role for Democrats, and a McConnell spokesman said the Kentucky Republican and the vice president were expected to negotiate by telephone into the night.
Rank-and-file lawmakers left the Capitol Sunday night with hopes that their leaders would give them something to vote on when they returned Monday morning.One sign of progress came as Republicans withdrew a long-discussed proposal to slow future cost-of-living increases for Social Security recipients as part of a compromise to avoid the cliff. Democrats said earlier Sunday that proposal had put a damper on the talks, and Republican senators emerging from a closed-door GOP meeting said it is no longer part of the equation. "I was really gratified to hear that Republicans have taken their demand for Social Security benefit cuts off the table. The truth is they should never have been on the table to begin with," Reid said late Sunday afternoon. "There is still significant distance between the two sides, but negotiations continue." At stake are sweeping tax hikes and across-the-board spending cuts set to take effect at the turn of the year. Taken together, they've been dubbed the fiscal cliff, and economists warn the one-two punch â¿¿ which leaders in both parties have said they want to avoid â¿¿ could send the still-fragile economy back into recession. Tax cuts enacted in 2001 and 2003 expire at midnight Monday, and $109 billion in across-the-board cuts in federal spending this year would also begin this week.
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Ex-daughter of wealthy corporate execs and former leader of The Rust Scopions turned information broker and mercenary, suitable for sci-fi/cyberpunk games
Major and minor villains,some can be used for other genres
Born in 1969, just a few weeks after the Apollo 11 mission landed on the moon, Ike Rust's adult life became, in itself, a giant leap for mankind. However, it was not a leap mankind was willing to make with him.
"Getting their attention is easy, you just need to hold it. But that doesn't concern you. Just make sure it's quick, then move on. You'll know when I wink."
A Revised and improved collection of scallywags, scoundrels, and nautical ne'er do wells.
'I can't go back to yesterday, I was a different person then' ~ Mad Alice
(Graphic content)
Like the mythical hydra, the Illuminati have many heads and even more hands. The minions of the Illuminati might work to their hidden master's ends without ever knowing the design of their work, or for whom they indeed work for.
A charming but withdrawn noble who goes out and kills people in the name of The Locust at night.
Cranson's Captain of the Guard (Character Sheet)
The rain poured down on the city of Grathen in a relentless beat that would marvel the best of drummers. It beat down on the public buildings, with pedestrians streaming in front of, with eyes cast upwards and lips mumbling prayers to Rain Gods. It beat down on the Slums, where thieves were mumbling thanks to their gods for all these people looking up and not at their purses. And it beat down on Ariel Lorette, a girl of 13, escaping from horrors beyond the common person's imagination. Ariel Lorette, with rain streaming down her face and hiding her tears of pain and sorrow and, above all, victory. For Ariel had escaped them. Ariel was free.
A sadistic murderer.
More than one convoy crossing the Southwest, traveling through the Republic of Texas and Rocky Mountain Republic has found themselves in the crosshairs of a heavy black transfer truck and it's deranged driver.
A burned out cop with very little to live for finds that you can't take the fight out of the dog. (NSFW language.)
The Tlu 'che a Naust lu' Phlithus a Jal is not an easy path to walk, and none take it lightly, or willingly.rnrn~ Faerlani lu'Noamuth Che'el
You should probably get ready for some trouble...
"Compared to the scum I deal with as a cop, fighting you was a piece of cake!"
*All that I am saying is, it does not count as murder if it is an Uplited porpoise.*
Oscar, in a drunken bar argument.
The Good, who do what they have to do, the Bad, who pervert their ideals, and the downright Ugly.
"Mad you call me? Every great mind is mad, and I would see the whole world great...."
-the Miskatonian, to one of his more talkative captives
Pirate captain of the legendary Red Dawn, Amanita lives to strike fear into the hearts of others. Her S&M cult and smuggling operations often hide behind the guise of bakeries, but there is a reason for all that a person does.
A race of halflings has lived so long underground that their skin has taken on the color and texture of cauliflower, they are called the Cauliflower or the Mushroom People for their skin and aversion to light.


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I love paper artists, especially when they're Australian.
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Low Range Off Road is your source for all Suzuki Samurai Armor Parts, including Rock Sliders, Skid Plates, Differential Guards and More!
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If you want to cover up where your Factory Samurai rocker guards are, and want to cover it with something very strong- this is the ticket. Provides plenty of strength as well as great looks for protection against rock abrasion.
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If you have a Samurai and want to reinforce the front of your frame, this is an excellent way to do it. Sometimes when shock mounts, shock hoops or additional accessories or add-ons are welded to the frame it gets weak. This can make your frame peel like a soda can tab. These are made with rosette weld locations to reinforce the center of the plates to the frame to give maximum amount of rigidity.
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The popular "Mighty Kong." made by Trail Tough This is combination transfer case mount, bucket and skid plate made for the Suzuki Samurai. With its one piece design it will not flex or distort and actually adds strength to your case. It provides protection where you need it - not where you don't and weighs only 12 lbs. It
This New Tcase Cradle is a must for you case if your running lower gears. Not only is is a skid but it grabs on to several extra mounting points to make your case tough as nails. Your transfer case shell is the week point with lower gears and this will make the difference between a bad and
Take a thrashin' and keep on bashin'. These bars made by Trail Tough provide superior off-road protection not only for the bottom of the rocker panel but the sides of the vehicle as well. Comes with both bars and all hardware needed.
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Introducing the "Rock Barz." This heavy duty steel bar protects from wheel well to wheel well and includes polyurethane end caps. Powder coated black. The Rock Barz can also come sporting an aluminum diamond plate non-skid entry step as shown in picture, black powder coated diamond plate non-skid entry step or you can order your with no step. This product is definitely built to last!
These 3" tube bars made by Low Range Off-Road offer good looks and functionality. Nurf can be used as a step into the Samurai as well. Kit comes complete with two nurf bars, and hardware. Installation is bolt-on with included self tapping bolts. Includes drill bit. /p> Learn More
These all new Calmini built formed rocker panel skids for the Samurai are the new standard for off-road rocker protection. These custom formed skids are stronger than individual rocker panels or rocker bars as they protect the entire side, not just underneath as well. Installation is bolt-on with minor drilling required to strengthen the unit. Complete kit comes with two
These diffguards are not your ordinary pipe cap. Laser cut and formed from one piece of steel. Design allows for easy cleaning of packed mud with open lower corners, as well as allowing easy installation and removal of the fill plug. Made to fit your Samurai Axles. Weld on kit. Sold individually.
Fits Both Front and Rear Axles.
These Caps made by Trail Tough are bullet proof protection for your diffs without decreasing ground clearance. Designed to fit your stock Samurai housing front or rear and also fits the Samurai/ Sidekick hybrid housings. Comes with 2 caps.
Protect your investment! This heavy duty skid plate covers the underbody of your Samurai from frame rail to frame rail. It completely covers the transfer case and rear half of the transmission. Installation is easy with four "J" hanger bolts (included). Easily removed for transmission and transfer case servicing. Comes Zinc Coated.
This steel belly pan is tough and allows your Zuk to slip over the big rocks without hanging up or damaging your frame, exhaust or vital components. The positive mounting design eliminates any J-bolt or thread damage. It simply slides up each side of the frame rail and you slide a bolt in over top of the frame. No welding of drilling! Made by Trail Tough
Take a look at your windshield frame, at the passenger wiper, do you see a crack forming, its not to late, get our braces ASAP and prevent having to buy a new windshield frame. Laser cut from 18 Gauge #8 stainless steel. Included is stainless hardware, 3m adhesive backing , 3/32" drill bit, and instructions. Available in Black Powder coat by special request. Kit comes with both sides and is available for both the Soft and Hardtops.
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Samurai owners know that one of the weakest spots on their vehicle is the front axle. The axle is suceptable to bending or warping, causing the alignment to wear tires, and the front axle components to prematurely fail. If you plan on any off road usage, we recommend to truss your axle with our truss and gusset kit. This is a must for all those who are planning on doing a spring over axle swap or aftermarket suspension and tire upgrades. Learn More
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Still got those plastic rockers under the doors? GET THEM OFF! They are nothing but rust traps. They collect water and after a while you have nothing left underneath them. These Diamond Plate Rockers are just what you need. If you already have the rust starting, these are the perfect coverup. They look great and give great protection. Curls under bottom corner about an inch also. Comes in either standard diamond plate or powder coated black. Kits comes with both sides.
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No one makes an axle skid and truss combination that protects like these! These laser crafted, fully welded parts protect the front and the rear axles from rocks and other obstacles normally found on trails. These skids are built for heavy duty 3/16" plate steel and completely cover the axle tube and differential housing from the bottom. Kits come complete with the plated skid plate, necessary U-bolt configuration, hardware, and installation instructions.


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No "Work Experience"? – Substitute
If you don't have a job requirement, offer something similar. It shows that you can learn the desired skill quickly. For example, Cara wants a job with a music publishing company because she is fascinated by the process of how songs go from a songwriter's mind to the music marketplace. She has no prior experience and was not a music business major at college. However, she does have some...Read More
Rethinking Scarecrow
You know the story of Oz. Scarecrow needed a brain and the Wizard complies by giving him a "diploma". The message was clear: having a college diploma (or degree) means having a brain – a message that persisted throughout the 20th century and well into the 21st. Now the Great Recession, a "jobless recovery" (how's that for politispeak?), massive outsourcing, and mounting student debt...Read More
Career Mash Up 7
Some more food to feed your career thinking and doing. Enjoy. The Essential Conflict Between "Art" & "Business". "Here's how I define a successful business meeting. All participants learn the goals that each wants to accomplish. We agree upon those goals, and we lay out a path to achieve them. I leave with clear expectations of steps and parameters including tasks, deadlines,...Read More
Music Career Mash Up 6
Another collection of curated career content to rock your world. Enjoy! Mainstreaming. Streaming is forcing a creative but undisciplined industry to pay more attention to data," reports The Economist (3/22/14). Spotify recently purchased "Echo Nest, which analyzes data for music services and helps shape playlist algorithms. Beats soon followed by purchasing TopSpin Media, which...Read More
Career Mash Up 5
Such an Innocent Question… For as long as most people can remember, building a career has been equated with the notion of settling down, the way you'd think about marriage after playing the field. It's been about answering the "What do you want to be when you grow up?" question adoringly asked when we are small, but dogging us for a committed answer as we become adults. What the...Read More
Career Mash Up 4
Another collection of interesting content to help inform music career development (and career growth in general). A Call for 'Synthesizing Minds' "In the old-style repetitive economy, most people's work could only be done with other people's capital resources. Most people were employees dependent on land-owners, patrons, financial capital or large bureaucracies. In the creative economy,...Read More
Career Mash Up 3
I've been doing a lot of thinking lately about change. My every day world (the northeast United States) has been blessed with a relative calm over the past 150+ years; a calm that has lulled me to sleep. But change is afoot. Between the economic downturn, climate change and ever-expanding populations I can feel the sand shifting beneath my feet. Can you? For me, big change calls for a new...Read More
Self-Promotion 101
I was recently interviewed by another blogger on the subject of "self-promotion" to mark the publication of the third edition of my book, The Self-Promoting Musician: Strategies for Independent Music Success (2013, Berklee Press). Hope you enjoy it. Please add your comments. 1. Is there a mindset for self-promotion that you think leads musicians to more viable careers? Self promotion...Read More
Career Mash Up 1
I read a lot. I also take notes on just about everything I read. Some of this finds its way into my own writings, but most does not. Since I have this store of notes but little time, I'm going to start dishing it out periodically in this blog. So, here is an ensemble of awesome thinking, provocative questions and bits of trivia from across the disciplinary spectrum. • Bye IQ. According...Read More
Planning With the Big Picture in Mind
There is a quote by Alvin Toffler I've always liked: "You've got to think about 'big things' while you're doing small things so that all the small things go in the right direction." What are the "big things" he's referring to? Well, if you're familiar at all with his work (Future Shock, Where the Wasteland Ends, Third Wave, etc.), you'll know that Toffler's focus is on...Read More
Courting the Muse: A Simple Guide to Invoke the Creative in You
You sit by your "thinking chair" and across the room lays your electric guitar—unplugged and staring back at you as if it waits to be held. Your musical sheet is still empty and your pen is running out of ink. Right now all you can hear is a mix of chaotic noise struggling to find peace in a blank score sheet. What are you going to do? For musicians and band artists, it's pretty much...Read More
Dry Time: What To Do When Nothing's Coming In
Whether it's because your business is seasonal or just because economic uncertainties keep customers on the sidelines, dry times are great opportunities to move your company and your life forward. Here are some ideas for turning dry times into high times. Connect. One of the truly beautiful things about networking is that it's a low-cost marketing strategy. All you need is time and the will...Read More
New Models: The Creative Collective
Artists today are on a continual hunt for business models that will provide structure for their creative work and stimulation to their careers. With an industry in creative disruption, there is little in the way of the "tried and true" to latch onto. The ground is shifting and the "new music economy" hasn't yet found a footing. But there are signs of solution as we begin to see...Read More
Landing a Job as a New Music Grad
Music graduates often aspire to performance or composition careers, but they also know they'll need a day job to help get them there. I've been speaking with a number of hiring managers in the music space lately and would like to share what I'm hearing. Hopefully this will help those just embarking on the job search, a well as those who have been at it for a while. 1. Know what you want....Read More
The Future of Music Performance
In the 2001 film, Vanilla Sky, starring Tom Cruise, there's a scene where he welcomes a guest at his apartment. There's a party's going on. With the camera behind him, he proceeds through the rooms until coming to one where you can see up ahead what looks like a grainy black and white image of a man playing the saxophone. Turns out it's a life-size hologram of John Coltrane performing...Read More
Nature as Career Advisor
Those who know me also know I can walk in the woods for hours on end, pausing every five minutes to closely observe the shape of tree or the way light filters through a pond. I have felt a deep and abiding connection with Nature since I was 16 when I met some Deadheads who guided my steps away from Greenwich Village to the woods of the Pocono Mountains. Those years coincided with a spiritual...Read More
Music Career Q&A, Pt. 2
Some more distilled knowledge drawn from recent interviews with yours truly. Everything from the best times to release a CD to where the opportunities lie in today's music business; from the fate of the CD to finding your own unique niche in music. Drink deeply. Enjoy. What are the biggest mistakes that artists typically make when they try to market their own CDs? Well, first off, just...Read More
Music Career Q & A
I do a lot of interviews – often for small publications, classes and seminars, so the content doesn't always get very far. Since interviews demand concision, I thought I'd cull the best from them and re-distribute the content on this blog. Some are more oriented towards the music business; others toward music careers. This one focuses on careers. Hope you'll dig these "distilled"...Read More
The Band/Club Partnership
The key to getting more and better gigs is positioning your act as a partnership with the venue, and then communicating the benefits your act will provide it. Your job is to convince the booker that it would be to the club's advantage to have you play there. How do you do this? First, emphasize the crowd you will draw. Even if it's just fifteen people, let them know. Second, stress...Read More
Great Musician / Working Musician
Each fall and spring I have the privilege of speaking to Berklee's entering class about how to navigate a successful music career. Here's how I usually begin my talk: Who here wants to be a great musician? Who here wants to be a working musician? Does one necessarily follow the other? If only great musicianship guaranteed career success! The questions, of course, are designed to get these...Read More
Weaving Your Web of Relationships
Music is a who-you-know/who-knows-you kind of business. The quantity and quality of your relationships will be the primary engines of your career progress. This goes without saying in a business where "word of mouth" both amps notoriety and qualifies value. Nothing feeds creativity more than linking up with other creative people. Sharing challenges, sparking ideas, discovering unusual...Read More
The Polymath Musician
Are there any Leonardos out there? How about Ben Franklins? Or Jay-Zs? You may not be able to paint the Mona Lisa, speak French or father a child with Beyonce, but you do have multiple interests, a truckload of skills and a breadth of experience. Sometimes your many interests feel like a bunch of beads with nothing to string them on. That's normal for those with manifold passions and diverse...Read More
The Shape-Shifting Future
The pace of change can numb us and even make us give up trying to understand the meaning of our rapidly unfolding future. In a sense, we're all strapped into a roller coaster that has taken off without our permission, blurring our surroundings at warp speed, and not quite clear on a destination. That's why I appreciate 'big-picture' thinkers like Michael Malone. He helps lift us to that...Read More
Avoiding Junk Thought
If I were to ask you to concentrate real hard and imagine yourself growing an inoperable brain tumor, would you do it? Most of us would probably hesitate. Why? Perhaps because you believe deep down that your mind, or the way you think, can actually have an affect on your body. And you would be right. Modern brain research, as well as quantum physics, are discovering that the mind is a form of...Read More
The Freelancer Mindset, Pt. 3
Of all the challenges that freelancers face, nothing matches in difficulty the everydayness of business ownership. It exists from the moment you wake up until the moment you collapse in exhaustion at the end of the day. It's exhilarating, terrifying…..and constant. What keeps this relentless routine from taking undue toll on you is the management systems you put in place. Good planning...Read More
The Freelancer Mindset, Pt. 2
If you're going to be on your own, you won't have a boss setting agendas and assigning projects. You will be the chart-setter. You will be the time organizer. You will be the gig-creator. This means planning, and planning means first setting goals. Some people absolutely love this part of freelancing. They're planners at heart. They enjoy describing themselves as...Read More
The Freelancer Mindset, Pt. 1
In a sense, we are all freelancers today. Whether you live week to week on short term projects, or work as a minion in a corporate department, the challenge is to manage your projects like an expert juggler and nurture your relationships like Dr. Phil. It is this continuous and creative orchestration of work and relationships which helps us thrive, and allows us to contribute our own special...Read More
Finding Your 'Adjacent Possible'
Forging creative alliances is key to building a multi-dimensional music career. Teaming up can multiply your efforts and move your career in an upward trajectory. Traditionally, musicians joined with "professional" teammates like management companies, high-level booking agents and established record labels. This still goes on, but in the DIY era we're increasingly seeing artists and...Read More
What's Your Hook?
Imagine for a moment you're attending a music conference and you meet several individuals for the first time. Each one tells you what he or she does as follows: Person A: "I've started a business offering private music instruction, selling guitars, and repairing amplifiers." Person B: "I do a variety of things: notation, sound design, performing and some music therapy, when time...Read More
Smart Tip for Hooking Media Interest
Media coverage remains one of the best ways to get your signal through all the noise out there. As we daily battle with "data smog", people are finding themselves gravitating to reliable media sources for news, for information, and for point of view. So media in all its forms remains a valuable channel for exposure and promotion. Today there are more media than ever before and they all need...Read More


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What's bad for Apple is bad for Apple Suppliers. Should a falling share price concern investors in Apple's suppliers?
Disappointing guidance from Apple (AAPL) was enough of a reason for investors to sell and pull its shares below $500. Worse still was the damage done to shares of Apple suppliers Cirrus Logic (CRUS) and InvenSense (INVN). These companies also dropped sharply after they reported quarterly results. Are things really that bad for Apple's suppliers?
Click on the chart below to view Apple's share price over time.
Cirrus Logic started the selloff by guiding fourth quarter revenue lower. The consensus revenue estimate from analysts was $173.8 million, but Cirrus Logic expects revenue to be as low as $130 million. In its recently reported Q3, sales from its audio product segment dropped by nearly one-third to $206.4M. InvenSense reported Q3 earnings of $0.15 per share on revenue of $66.7M. Both figures missed consensus. GAAP earnings were $0.00 per share (the company actually lost $0.2 million). The company did add cash during the quarter: cash and cash equivalents rose to $266.3M, compared to $200.3M last year. Two noteworthy figures in the statement of income are on the expense lines. Costs (SG&A and R&D) rose for both: Higher R&D activity means the company is adding innovation for its products, which is good news for investors.
In addition, cash flows from operating activities indicates higher inventories. Cash flows rose to $29.6M, compared to $6.56M last year. Conclusion Risks for Cirrus Logic will rise if Apple's growth slows in the next few years. More than 80% of revenue may come from Apple alone. Conversely, investors might look instead at companies less reliant on Apple. This includes Broadcom (BRCM), Qualcomm (QCOM), Synaptics (SYNA), and Skyworks (SWKS). Do you think Apple's forward guidance could spell trouble for its suppliers? Use the list below to begin your analysis and let us know what you think in the comments.
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Richard M. Jones
Number 153
- December 22, 2011 | Search FYI | FYI Archives | Subscribe to FYI
Congress and the President have agreed on a final FY 2012 appropriations bill. H.R. 2055 combines nine funding bills, and is accompanied by House Report 112-331. This 1,385 page report contains the bill language and a second section with the appropriators' recommendations. See page 1147 for the recommendations for the Department of Education.
The Administration proposed several new programs that would benefit science, technology, engineering, and mathematics teaching:
Mathematics and Science Partnership
The Administration's proposal to replace the Mathematics and Science Partnership (MSP) with a new program, "Effective Teaching and Learning for a Complete Education: Science, Technology, Engineering, and Mathematics program" (for which $206.1 million was requested) was rejected.
The FY 2011 appropriation for MSP was $175.1 million
The FY 2012 appropriation for MSP is $150.0 million, a decline of $25.1 million or 14.3 percent
Investing in Innovation Fund:
The FY 2012 Administration request was $300.0 million
The FY 2012 appropriation is $149.7 million
Teacher and Leader Pathways:
The FY 2012 Administration request was $250.0 million
The FY 2012 appropriation is zero
Advanced Research Projects Agency – Education
The FY 2012 Administration was $90.0 million
The FY 2012 appropriation is zero
Richard M. Jones
Government Relations Division
American Institute of Physics
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Are You Boy Crazy?
Think you're cool as a cucumber when it comes to dealing with boys? That may not be how they see you. Take the quiz to find out whether you're as cool as you think or, well, just plain guy crazy.
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text: Inakube HD gamesBookmark the permalink. Release date: Apr 6th, 2012 Price: Free Version: 1.2 Seller: Brian Skidmore Buy Now STP SCORE: Not yet reviewed Description Related Games Godzilla – Smash3 Monument Valley Threes! The Room Two Papa Sangre II Device 6 Lead the Brave Where's My Water? 2 Amateur Surgeon 3 Rymdkapsel


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Individualized Studies BA (BAIS)
The Bachelor of Arts in Individualized Studies degree is a baccalaureate degree program structured to meet the educational needs of adult learners. It provides nontraditional students with a variety of options in meeting University requirements for an undergraduate degree grounded in the liberal arts. It recognizes the value of life/work experience and affords students the opportunity to receive advanced standing through portfolio assessment. Students may choose to pursue a single area of study in depth or design a program of study by combining liberal arts courses with career-related concentrations. The result is a degree program that will be immediately appealing to mature adults who bring to FDU traditional course work completed over a period of years at a number of institutions, a history of work and life experiences that can be equated with credit-bearing courses, and the desire, commitment and self-discipline to complete the degree requirements.
Students completing the requirements for the Bachelor of Arts in Individualized Studies degree will be required to demonstrate proficiency in a number of subject areas and related skills. They include the following:
- The use of basic intellectual tools, specifically to communicate effectively, both orally and in writing; to use mathematical reasoning; and to comprehend the nature, techniques and limits of the humanities, natural or physical sciences and the social and behavioral sciences.
- The ability to learn and apply learning to the graduate's career and life experience, requiring the capability to define problems; to use information resources such as libraries and computers; and to analyze, synthesize and integrate knowledge, perspectives and techniques.
- An understanding of the historic and global context of events and achievements over time as treated in subjects such as history, the arts and the humanities.
- Mastery of a considerable body of knowledge in one subject area or a group of related subjects.
For more information, contact:
Petrocelli College of Continuing Studies
Fairleigh Dickinson University
1000 River Road, H-DH1-02
Teaneck, New Jersey 07666
(201) 692-6500


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The Price of Value (Gwen Moritz Editor's Note)
by Gwen Moritz
Posted 8/13/2012 12:00 am
Updated 2 years ago
I was talking the other day with a small-bank executive who appreciated last week's stories on banking and finance, and we began commiserating about a common problem dogging our otherwise very different industries: Consumers love our services more than ever but don't think they should have to pay for what we do.
Long before newspapers (with the notable and important exception of Arkansas Democrat-Gazette publisher Walter Hussman) decided to give their most costly product away for free on the Web, bankers lured in retail customers with free checking accounts. Then online banking was also free, which made some sense because electronic transactions are cheaper for the banks than paper transactions.
But none of these products is cost-free. These were what retailers call loss leaders, unprofitable gimmicks designed to help capture more profitable business.
Retailers have a long history of knowing how to temporarily discount certain items while not completely devaluing the products. A special price on orange juice this week may encourage us to visit Kroger, and to pick up some higher-margin items while we're there. We come out with the positive feeling of having snagged a bargain; we haven't mentally reset the perceived value of orange juice, and we expect to pay the old, profitable price next week.
There was a time when news consumers expected to pay for the convenience of having important information collected into a useful format and delivered on a regular basis. (I'm proud and grateful that Arkansas Business has maintained and even grown its paid subscriber base during the past few years, but that hasn't been true of the newspaper industry in the broader sense.)
There was a time when bank customers expected to pay a monthly fee for the convenience of having a checking account, and we paid it willingly. Then some bank somewhere decided that waiving the monthly fee would be more than offset by the cheap new deposits and other fees (particularly for bounced checks), and every other bank followed suit. Now free checking is considered a birthright, and making the poor suckers who bounce checks pay for everyone else's checking services eventually started to seem predatory - especially when debit cards made it so easy to overdraft without even realizing it.
So federal regulators required banks to give customers the opportunity to opt out of overdraft protection, an exercise that I still consider worthwhile. People should have to stop and think about whether a "service" that can run the price of a cup of coffee up to $20 or $30 is really in their best interest. But banks really are feeling the squeeze after years of eerily low interest rates have reset the perceived value of borrowed money.
Last fall, Bank of America took the bold and disastrous step of announcing a $5 monthly charge for the convenience of using a debit card. The backlash was overwhelming against the monstrous idea of charging customers for the privilege of spending their own money. BOA backed down post-haste, as did the handful of other banks that thought they would try something similar.
But we love using debit cards, don't we? We love the convenience of not having to carry cash. We've come to expect even fast-food restaurants to accept plastic. But paying for that convenience is unthinkable. Online news delivery faces the same problem: Readers want more news about more things more often and in more formats than ever before, and they love it. But readers think online news should be free, and advertisers think advertising to those readers is worth much less than advertising in print.
So my banker friend and I were talking about this, when he pointed out an amazing contrast between consumer reticence to pay anything for some services that they enjoy and use and their willingness to pay virtually any price for other services. The telecom industry, for instance, has made sure we never question the value of its services.
My family pays $15 a month to have the Democrat-Gazette delivered to our front porch seven days a week. We pay 15 times as much, about $225 a month, to operate four cellphones. Plus another $65 for wireline and broadband. Plus $80 for satellite television. I grumble about data plans and talk about "cutting the cable," but we just keep paying those bills.
I happily pay $5 a month for DVR service so I can watch my favorite TV shows whenever I want. But is that convenience actually more valuable to me than the convenience of using a debit card? No, of course it isn't. Are those cellphones 15 times more important than the newspaper? You know the answer.
(Gwen Moritz is editor of Arkansas Business. Email her at email@example.com.)