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About us
The Pacifica Chamber of Commerce provides Pacifica's business community with resources and support to create a healthy economy. Established in 1957, the Pacifica Chamber of Commerce is comprised of more than 400 business leaders who are passionate about improving the local business climate.
The Chamber is an active partner in promoting the businesses we serve, by supporting and providing networking opportunities for businesses to connect with each other. Our programs and partnerships help members connect to the community. We are honored to serve as the voice of Pacifica businesses.
The Pacifica Chamber of Commerce is dedicated to:
- Strengthing the local economy
- Promoting business and community
- Building business relationships and providing networking opportunities
- Representing the interests of business with government
- Endorsing political action
We invite you to join the Chamber of Commerce to see the benefits of membership and to continue enhancing Pacifica's business environment. Please call the Chamber at (650) 355.4122 or click here to contact us.
Executive Board:
Bill Meyerhoff
Seaview Tire & Brake
Darlene Gonzales
Stearn's Lending Inc.
President Elect
Cheryl Yoes
Dial Glass & Window Co
Past President/Treasurer
Chuck Gust
Nick's Restaurant
Vice President
Sandi Anderson
Anderson's Swim School
Anderson's Scuba Diving
Vice President
Christine Porter
Recology of the Coast
Vice President
Marty Cerles
Best Western Lighthouse Hotel
Jim Wagner
Partner's Mortgage
Beth Lemke
A Grape in the Fog
Dr. Susan Hsu
Jeff Brammer
Miller & O'Brien Towing
WavenDean Fernandes
Mana Brand Marketing & Design
Suzanne Johnson
Pacifica Playschool


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Commando Sweet Talk Pot Call
Item # 440437
Key Features
Two striking surfaces
One-piece purple heart, flare-tip striker
Tapered sides
Made from hard Maple
Customized Pennsylvania slate
Our Price $39.99
Availability: Sold Out
Prices, promotions, styles and availability may vary by store and online.
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Product DescriptionThe Two-Sided Sweet Talk Friction Call is produced from No.1 select hard maple. The density and tight grain of the hard maple allows Sweet Talk to emit a high-pitched raspy sound with very little effort. Flip the Sweet Talk over and the bottom sound board doubles as an additional striking surface that emits a deeper tone that is perfect for soft calling. The one-piece purple heart, flare-tip striker produces a break over yelp with ease and purrs, putts and clucks that are worthy of any champion caller! The Sweet Talk friction call was designed in conjunction with Brenda Valentine and is manufactured in the U.S.A. by Commando Hunting Products on a state-of-the art three dimensional CNC machining center. The repeatability of the manufacturing process enables each and every Sweet Talk friction call to produce championship sound quality.

subset: commoncrawl


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The inspiring story of an athlete who reclaimed his life and his passion after a brain injury threatened to take it all away.
Help with brain injury video
Brad Overcame Brain Injury with Brainwave Optimization
Bob Found Relief From His Traumatic Brain Injury
Bob suffered from multiple head injuries. After one week of Brainwave Optimization he is already seeing major improvement.
Traumatic Brain Injury - Testimonial - Scottsdale, Arizona
Crystal suffered a traumatic brain injury in the line of duty. She credits Brainwave Optimization with giving her her old life back.
Traumatic Brain Injury - Brainwave Optimization - Sports Injury
Nancy and her struggle after a brain injury
Nancy has been suffering from a traumatic brain injury and saw major improvements after Brainwave Optimization.
Brad suffered a brain injury after a bike accident
Brad came to Brain State Technologies after an accident caused a brain injury and concussion.
Former NHL player uses Brainwave Optimization to help recover from past concussions
Former NHL player, Geoff Courtnall went to Valentus Clinics, a Brain State Technologies provider, to help him with his recovery of past concussions.
Traumatic Brain Injury - High School Football Player
Brain State Technologies affiliate Optimized Mind
NHL player Kurt Sauer on Brainwave Optimization
Allen Barksdale Discusses His Recover from A Traumatic Brain Injury
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We're up to day five of the MFT Teasers! Today we are featuring two fabulous new à la modes stamp sets, à la modes Knit Happens and à la modes Disco Queen. Both sets are a ton of fun!
I stamped the image on a piece of X-Press It card stock and I colored it with Copics. I used some prints form Jillibean Soups Dutch Mustard Soup collection. The card stock is Sour Apple and Hot Fudge. I added a few Basic Grey brads and some satin ribbon.
Of course I had to use a couple of Die-namics on this card! The new Wonky Scallops Die-namics die is so much fun! I also used the Die-namics Ticket Tab.
My next card features the fabulous à la modes Disco Queen stamp set! As you can see I went for a bright color scheme here! I stamped the image on a piece of X-Press It card stock and I colored it with Copics. I added some glaze to her fabulous boots and a bit of shimmer to the Disco Ball.
I used Lemon Drop and Black Licorice card stock, along with some prints from Echo Parks County Drive collection. I added a bit of Black satin Ribbon and some Lemondrop Twine. I also added the fun Die-namics Peace Sign!
Here are the details about the upcoming release on November 1 at 10 PM EST:
- You can attend the New Release Party on November 1st from 8-10 PM EST HERE in the MFT forum, where you can enjoy fun, games, and PRIZES!
- The MFT release, including all new stamp sets and Die-namics, is on November 1 at 10 PM EST. You'll find all the newest products HERE at release time.
- The guest designer contest is ON! Check out the forum for details on how YOU can win $200 in stamp sets and Die-namics, and play along with the MFT Design Team for a month.
- If you'd like to see all the teasers for today, please click on over to the MFT Blog NOW. Be sure to leave comments as you go for the chance to win one of 2, $10 gift certificates given away daily. The winners will be posted on November 1 just before the release party, on the MFT blog.


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This is a very cool optical illusion that Steve and Johnnie talked about on-air courtesy of listener Wendell. Right now you're probably seeing a picture of Albert Einstein. Now step back a few feet. Hopefully you're seeing Marilyn Monroe! (Please note this illusion only works on a computer / cannot be seen on mobile device.)
Search This Weekend's Events
CTnow.com, 285 Broad St., Hartford, CT 06115


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The ENBREL Support™ card provides financial support to eligible* commercially insured patients when presented to the pharmacy.
ENBREL is an injectable prescription medication that treats moderately to severely active rheumatoid arthritis, adult chronic moderate to severe plaque psoriasis in patients who are candidates for systemic therapy or phototherapy, psoriatic arthritis, ankylosing spondylitis, and moderately to severely active polyarticular juvenile idiopathic arthritis. ENBREL is not for everyone. Serious side effects are possible. Make sure you read and understand the Important Safety Information and Indications for ENBREL.
For all eligible patients*, the ENBREL Support™ card program may offer:
*†Read eligibility criteria & limits
Sign up for support
Replace your card now
Get Started HERE
Please see Prescribing Information, Important Safety Information, and Medication Guide for complete details about ENBREL.
* Eligibility Criteria: Open to patients with an ENBREL prescription and commercial insurance for ENBREL. Patients may not seek reimbursement for value received from the ENBREL Support™ card from any third-party payers, including a flexible spending account or healthcare savings account. This program is not open to uninsured patients or patients receiving prescription reimbursement under any federal, state, or government-funded healthcare program, such as Medicare, Medicare Advantage, Medicare Part D, Medicaid, Medigap, Veterans Affairs (VA), the Department of Defense (DoD), or TRICARE, or where prohibited by law. If at any time patients begin receiving prescription drug coverage under any such federal, state, or government-funded healthcare program, patients will no longer be able to use this card and you must call ENBREL Support™ at 1-888-4ENBREL (8 AM to 8 PM EST, Monday-Friday) to stop participation. Restrictions may apply. Offer subject to change or discontinuation without notice. This is not health insurance.
† Program Details: For all eligible patients, the ENBREL Support™ card program may offer:
Each time you fill your ENBREL prescription, you will receive 50% off your out-of-pocket costs or pay no more than $10 per month—whichever helps you more.
‡ Program provides up to $4,000 of assistance per patient for each 6-month period. Patient is responsible for costs above these amounts. You may use your card each time you fill your ENBREL prescription. For patients with moderate to severe plaque psoriasis, who are first starting ENBREL and prescribed 50 mg twice-weekly dosing, program provides an additional $2,000 per patient for the first 3 months of therapy only.
Your participation in the program may be renewed every 12 months by visiting EnbrelSupport.com or calling 1-888-4ENBREL.
In our effort to continually improve our support program, the ENBREL Support™ card has recently been updated. You'll receive your new card in the mail in about 3-5 business days. It's important to start using your new card as soon as you get it. In the meantime, click "Continue" to print your temporary card.
Prescription ENBREL is taken by injection.
Find out now. Get started by submitting your information here or by calling our insurance specialists at 1-888-4ENBREL(1-888-436-2735) Monday through Friday, 8 AM to 8 PM Eastern time. Live support is available in over 200 languages.


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The evidence for this militarization begins with massive increases in military spending. As a percent of total budget outlays, military spending went from 30 percent in 1950 to 70 percent in 1957. This was the largest peacetime buildup in American history. During a dramatic economic expansion, the president worked to maintain a high military-spending level as a percentage of the rising GDP — establishing the modern precedent that military socialism is integral to the economic life of the country. Spending rose in absolute terms every year he was president, from $358 billion in 1952 to $585 billion in the last budget for which he bore responsibility in 1962, a whopping 63.4 percent increase during the Eisenhower years.
Monday, January 31, 2011
What Kind of President Was Eisenhower?
Eliminate ROTC
Wall Street Journal:
ROTC was begun before World War I to create an officer corps for a large force of reservists to be mobilized in a national emergency. It has outgrown this purpose and evolved into just another source of officers for a military establishment that has integrated regulars and reservists into a "total force" in which the difference is between part-time and full-time soldiering.
The armed services should consider a program modeled in part on the Marine Platoon Leaders Corps to attract the nation's most promising young people. In a national competition similar to ROTC scholarships, students should be recruited for four years of active duty and four years of reserve service by means of all-expenses-paid scholarships to the college or university of their choice. Many would no doubt take these lucrative grants to the nation's most distinguished schools, where they would get top-flight educations and could devote full attention on campus to their studies.
Youths would gain their military training and education by serving in the reserve or National Guard during college (thus fulfilling their reserve obligation). Being enlisted would teach them basic military skills and give them experience in being led before becoming leaders themselves. As reservists during college, they would be obligated to deploy only once, which would not unduly delay their education or commissioned service. They could receive their officer education at Officer Candidate School summer camps or after graduation from college. This program could also be available to those who do not win scholarships but are qualified and wish to serve.
History tells us that the career retention of OCS graduates is essentially the same as that of graduates of the service academies and ROTC. This new program would not only be the least costly method of providing a quality, diverse officer corps but would also attract a variety of students inclined to serve their country, including those outstanding youngsters who want or need money for college but do not want to go to a service academy or be limited to those colleges that have, or are near, ROTC units. The Harvards, Amhersts and Georgetowns of America would probably have more students in military training than they do today or are likely to in the future with ROTC units on campus. And such a program would raise the visibility and attractiveness of military service at the institutions where many of the nation's future leaders are being educated.
Such a system would cost less while attracting more, and more outstanding, youth to military service, spare uniformed officers for a maxed-out military establishment, and reconnect the nation's leadership to military service - a concern since the beginning of the all-volunteer armed force.
Problems for Electric Cars?
A change of ten degrees can sap 50% of a battery's output. In some situations the chemical reactions will happen so slowly and give so little power that the battery will appear to be dead when in fact if it is warmed up it will go right back to normal output.
Has Federal Inflation-Adjusted Spending on Education Doubled in the Past Decade?
Public private partnerships in transportation
Europe and Asia have decades-long histories of tapping into private equity to fund their transportation infrastructure using public-private partnerships. France has virtually its entire limited access highway system under the management of privately-owned firms, including Cofiroute, ASF, APRR, and Sanef. Australia has been tapping into private capital using companies such as Macquarie and Transurban to build tunnels and tollroads in its major cities since the 1990s. Italy and the United Kingdom claimed nearly half of the private investment in public infrastructure between 2003 and 2006 among the 20 nations that make up the Organization for Economic Cooperation and Development (OECD), according to Standard & Poor's.
China may be the most aggressive in using private capital to build its transportation infrastructure. The nation is embarking on an epic road-building program that will match the size of the US Interstate Highway System and be completed in less than half the time. Its expressway network is intended to link all provincial capitals, 80 percent of the nation's population, and 90 percent of the nation's ports, according to a report prepared by the China Construction Bank Corporation (CCBC). Most of these expressways are being financed by tolls, and the tollway companies depend on private capital to finance them.
The US lags behind all of these countries. Just a handful of projects have closed in the US for a fraction of the amount of capital available on the global market, most notably the $3.8 billion Indiana Toll Road and the $1.8 billion Chicago Skyway. In a positive sign, three Greenfield (new) toll road deals were signed recently in California, Texas and Virginia. The combined investment value, however, doesn't even match the Indiana deal. While a consortium of domestic and foreign companies submitted bids to lease the Pennsylvania Turnpike, the winning bid of $12.8 billion is still far from a done deal even though it is strongly supported by Democratic Governor Ed Rendell.
Friday, January 28, 2011
On Parking Requirements
We also find that by and large, developers tend to build only the bare minimum of parking required by zoning, suggesting that the minimum parking requirements are binding for developers, as argued by critics, and that developers do not simply build parking out of perceived marked need.
How did land use regulations affect subprime loans?
Such risky mortgage loans were rare just a few years ago. As of 2002, fewer than 10 percent of the new mortgages in the United States were of this type. But, by 2006, 31 percent of all new mortgages were of this "creative" or risky type.
In the San Francisco Bay Area, 66 percent of the new mortgages were of this type.
Why this difference in times and places? Because housing prices were skyrocketing in some places and times, so that people of modest incomes had to go out on a limb to buy a house, if they expected to buy a house at all.
But why were housing prices going up so fast, in the first place? A number of studies of communities across the United States and in countries overseas turned up the same conclusion: Government restrictions on building.
Wednesday, January 26, 2011
New Report: Half Billion People Escape Abject Poverty In Past Five Years
Laurence Chandy and Geoffrey Gertz, two researchers at the Brookings Institution in Washington, DC, have published an op/ed in today's Washington Post in which they discuss the findings of their new report on global poverty trends. The news is really good.
The economies of the developing world have expanded 50 percent in real terms, despite the Great Recession. Moreover, growth has been particularly high in countries with large numbers of poor people. India and China, of course, but also Bangladesh, Tanzania, Ethiopia, Vietnam, Uganda, Mozambique and Uzbekistan - nine countries that were collectively home to nearly two-thirds of the world's poor in 2005 - are all experiencing phenomenal economic advances.Markets and globalization are good for whatever ails you (especially if you and your familly are dirt poor). On the other hand, if you happen to be kleptocrat intent on maintaining your subjects in abject poverty, I lay out my never-fail rules for how to achieve and maintain the miracle of poverty in my column, Poor Planning.
In the new Brookings Institution report "Poverty in Numbers: The Changing State of Global Poverty from 2005 to 2015," we updated the World Bank's official $1.25-a-day figures to reveal how the global poverty landscape has changed with the emergence of developing countries. We estimate that between 2005 and 2010, nearly half a billion people escaped extreme hardship, as the total number of the world's poor fell to 878 million people. Never before in history have so many people been lifted out of poverty in such a short period. The U.N. Millennium Development Goals established the target of halving the rate of global poverty between 1990 and 2015; this was probably achieved by 2008, some seven years ahead of schedule. Moreover, using forecasts of per capita consumption growth, we predict that by 2015, fewer than 600 million people will remain poor. At that point, the 1990 poverty rate will have been halved and then halved again.
The decline in poverty is happening in all the world's regions and most of its countries, though at varying speeds. The emerging markets of Asia are recording the greatest successes; the two regional giants, China and India, are likely to account for three-quarters of the global reduction between 2005 and 2015. Over this period, Asia's share of the world's poor is anticipated to fall from two-thirds to one-third, while Africa's share is expected to rise to nearly 60 percent. Yet Africa, too, is making advances; we estimate that in 2008 its poverty rate dropped below the 50 percent mark for the first time. By 2015, African poverty is projected to fall below 40 percent, a feat China did not achieve until the mid-1990s.
Tuesday, January 25, 2011
Part of What GE Got from the Gov
Carney points out that GE spent $66 million lobbying the "we don't believe in lobbying" Obama administration. Here are a few examples of what they got for their money:
• $86.5 million long-term loan to GE transportation for the sale of diesel-electric locomotives to MRS Logistica in Brazil, March 24, 2009.
• $104.8 million loan guarantee to GE Energy, Houston, for the sale of power generating equipment to Turkey, April 15, 2009.
• $912.8 million loan for the sale of 23 gas turbine generator sets to Saudi Arabia, May 15, 2009.
• $230 million direct loan for the sale of gas and steam turbines in Bahrain, August 28, 2009.
• $20 million loan guarantee for the sale of turbine to Slovakia, February 26, 2010.
• $400 million for a gas and steam turbine to India, November 8, 2010.
Regardless of what the president says in the State of the Union address, his actions suggest that his administration is focused on crony capitalism, and not the real thing.
Taxi Medallian Statism
Exactly 11,797 taxicabs, for example, are permitted to operate in New York City — a figure that hasn't budged since World War II. FDR was in his first term as president when Boston decreed that only 1,525 cabs would be permitted on its streets. Other than a few new medallions for wheelchair taxis, 1,525 remains the limit.
The results? Right out of Econ 101: The supply of taxi medallions is far lower than the demand, so their value long ago exploded to obscene levels. Today, the going rate is about $140,000 in New York; about $90,000 in Boston. Those who got medallions when the getting was cheap grew rich. Everyone else got shafted. Would-be cabbies are forced to choose between going deeply into debt to buy a medallion or paying murderous lease rates to somebody who owns one. "In essence," write Chip Mellor and John Kramer of the Institute for Justice, "cab drivers become urban sharecroppers."
How Much Does the US Actually Manufacture?
The Chinese Economy
Wall Street Journal:
Start with distorted trade. The New York Times recently reported that Evergreen, a maker of solar panels, is shutting its Massachusetts factory, moving production to a joint venture in China and laying off 800 U.S. workers. Despite $43 million in Massachusetts state aid, Evergreen's chief executive said that China's subsidies - mainly low-interest loans from state-controlled banks - were too great to pass up.
Thus subsidized, Chinese solar panel production rose fiftyfold from 2005 to 2010, reports GTM, a market analysis company. Cheap bank loans to solar companies total about $30 billion, but it's unclear whether they'll be repaid in full, notes GTM analyst Shyam Mehta. "It could be free money," he says. China's share of global production jumped from 9 to 48 percent. In 2010, about 95 percent of China's solar panels were exported.
With details changed, similar stories apply to many industries. The undervaluation of China's currency, the renminbi, by 15 percent or more magnifies the advantage. Jobs shift to China from factories in the United States, Europe and elsewhere.
Next, consider technology transfer. Big multinational firms want to be in China, but the cost of doing so is often the loss of important technology through required licensing agreements, mandatory joint ventures, reverse engineering or outright theft. American software companies estimate that 85 to 90 percent of their products in China are pirated.
Writing in the Harvard Business Review, Thomas Hout and Pankaj Ghemawat cite China's high-speed-rail projects. Initially, foreign firms such as Germany's Siemens got most contracts; in 2009, the government began requiring foreign firms to enter into minority joint ventures with Chinese companies. Having mastered the "core technologies," Chinese companies have captured 80 percent or more of the local market and compete with foreign firms for exports. The same thing is occurring in commercial aircraft. China is building a competitor to the Boeing 737 and the Airbus 320; General Electric has entered into a joint venture that will supply the avionics, the electronics that guide the aircraft.
Finally, there's finance. China's foreign exchange reserves - earned mainly through massive export surpluses - approached $2.9 trillion at year-end 2010. These vast holdings (which increase by hundreds of billions annually) enable China to expand its influence by sprinkling low-cost loans around the world or making strategic investments in raw materials and companies. The Financial Times recently reported that China - through the China Export-Import Bank and the China Development Bank - has "lent more money to other developing countries over the past two years than the World Bank."
What Is the US Import Situation?
And consider that the Bureau of Economic Analysis reports that 55.2 percent of U.S. imports in 2010 were either industrial supplies or capital goods [HT Mark Perry]. That is, well over half of U.S. imports last year were inputs used to produce American-made outputs. Put differently, 55.2 percent of American imports in 2010 were used by American workers to produce American outputs.
Sunday, January 23, 2011
Solar Regulation
Ken Button, the president of Verengo Solar Plus, a residential solar panel installer in Orange, Calif., says his company — and his industry — are being strangled by municipal red tape.
Fifteen Verengo employees, Mr. Button said, are dedicated solely to researching and tailoring permit applications to meet the bureaucratic idiosyncrasies of the dozens of towns in the company's market. And because most jurisdictions require applications to be submitted in person, Verengo employs two "permit runners" whose only job, Mr. Button said, is to "take those permit packs and physically drive them around, stand in line, and pay the fees."....
In a new study, the industry estimates that the permit dance adds an average of $2,500 in costs to each installation
How Lies Passed Medicare
Saturday, January 22, 2011
Most bizarre taxes
Free Tax Filing, Efile Taxes, Income Tax Returns – TurboTax.com
Friday, January 21, 2011
MLK and guns
Most people think King would be the last person to own a gun. Yet in the mid-1950s, as the civil rights movement heated up, King kept firearms for self-protection. In fact, he even applied for a permit to carry a concealed weapon.
A recipient of constant death threats, King had armed supporters take turns guarding his home and family. He had good reason to fear that the Klan in Alabama was targeting him for assassination.
William Worthy, a journalist who covered the Southern Christian Leadership Conference, reported that once, during a visit to King's parsonage, he went to sit down on an armchair in the living room and, to his surprise, almost sat on a loaded gun. Glenn Smiley, an adviser to King, described King's home as "an arsenal."
Are Libertarians More Likely to Push Someone in front of a Train?
Reason (the entire article is recommended. There's a lot more there):
The researchers also found that libertarians tend to be less flummoxed by various moral dilemmas, such as the famous "trolley problem." In the trolley problem, five workmen will be killed by a runaway trolley unless you move a track switch which will divert the train but kill one workman—or, in another version, push a fat man off a bridge stopping the trolley. Typically, most people will choose to move the switch, but refuse to push the fat man. Why the difference? The utilitarian moral calculus is the same—save five by killing one. According to the researchers, libertarians are more likely to resolve moral dilemmas by applying this utilitarian calculus.
A Way to Save Energy or Big Brother?
Technology Review:
Schneider's goals for its headquarters were straightforward. The average electricity consumption of an office building in Paris is 400 kilowatt-hours per square meter per year. The European Union has directed that all buildings reduce consumption to 50 kilowatt-hours per square meter per year by 2030. Le Hive was meant to demonstrate that the path toward that goal can be quick and relatively painless. The company has reduced its headquarters' energy consumption from more than 300 kilowatt-hours per square meter to 65.
The Schneider system, dubbed EcoStruxure, started by collecting and analyzing data on the building's energy consumption patterns. Then a series of software and hardware components were installed, all of which can be controlled from a single interface such as a laptop or smart phone. In other words, the heating system, the air-conditioning system, the lighting management system, the security system, the fire control system, the surveillance system, the IT system, and the ventilation system (all of which used to be discrete systems with separate controls and dedicated technicians and managers) are all integrated into a single comprehensive building management system with a single point of control.
Next, RFID cards were distributed to every employee. Each card alerts a sensor system to where the employee is and adjusts the lighting and HVAC systems accordingly. A worker leaves his office for lunch, for instance, and the lights and air-conditioner in that office turn off immediately. He returns and the comfort settings he has requested kick right in. Other sensors turn the artificial lighting up or down in accordance with the available sunlight. Similarly, an automated window shading system adjusts itself in calibration with the cooling, heating, and lighting needs. If the blinds are open and sunlight is streaming in, then the lighting system dims by just the right amount to maintain a consistent environment.
[...]Le Hive is a glimpse into the future of smart buildings. Schneider Electric is probably saving about 150,000 euros a year by reducing energy consumption at its headquarters from more than 300 kilowatt-hours per square meter to 65; at that rate the system would pay for itself within about three years.
More (legal) accounting fraud
The giant US banks have been bailed out again from huge potential writeoffs by loosey-goosey accounting accepted by the accounting profession and the regulators.
They are allowed to accrue interest on non-performing mortgages " until the actual foreclosure takes place, which on average takes about 16 months.
All the phantom interest that is not actually collected is booked as income until the actual act of foreclosure. As a resullt, many bank financial statements actually look much better than they actually are. At foreclosure all the phantom income comes off gthe books of the banks.
This means that Bank of America, Citigroup, JP Morgan and Wells Fargo, among hundreds of other smaller institutions, can report interest due them, but not paid, on an estimated $1.4 trillion of face value mortgages on the 7 million homes that are in the process of being foreclosed.
Ultimately, these banks face a potential loss of $1 trillion on nonperforming loans, suggests Madeleine Schnapp, director of macro-economic research at Trim-Tabs, an economic consulting firm 24.5% owned by Goldman Sachs.
Public unions and bankruptcy
In the first ruling of its kind, a bankruptcy judge held the city of Vallejo, Calif. has the authority to void its existing union contracts in its effort to reorganize, holding public workers do not enjoy the same protections Congress gave union workers at private companies.
Municipal bankruptcy is so rare that no judge had yet ruled on whether Congressional reforms in the 1990s that required companies to provide worker protections before attempting to dissolve union contracts also applied to public workers' union contracts.
[...]He said the unfunded pension liabilities for states and cities was $800 billion a few years ago and may be at $1 trillion today. "The question is whether it is an inability to pay or an unwillingness to pay. If municipalities can't provide basic services and still pay labor costs or pensions then that is a real issue," Spiotto said.
Monday, January 17, 2011
China and the problem of current IP laws
A year and a half after President Barack Obama appointed an IBM Corp. executive to fix the U.S. Patent and Trademark Office, its problems by several key measures have only worsened, as damage inflicted by years of congressional raids on its funding continues to make it all but impossible for the agency to keep up with its workload.
The result: More than 1.2 million patent applications, filed by inventors and entrepreneurs ranging from major corporations to garage tinkerers, are still awaiting final decisions, a number nearly unchanged from the levels of the past three years.
Also unchanged is a bureaucracy that publishes entire patent applications online 18 months after they are filed, whether or not they have been acted upon - and most often they have not, because the agency is so far behind.
That puts American ingenuity up for grabs, free to anyone with an Internet connection.
"In China, there are thousands of engineers who don't work in laboratories inventing new technologies," said Paul Michel, recently retired chief justice of the federal court in Washington, D.C., that handles patent cases. "They sit in computer rooms reading U.S. patent applications on the Internet. And they can use the technology anywhere in the world, including in America, for free.
"American economic security is threatened in a way Congress has failed to recognize," Michel said.
The Patent Office is meant to act as steward of the nation's newest and most competitive technologies, granting protection to innovative new products so their developers can commercialize them.
But beginning in the 1990s, Congress got into a nearly two-decade habit of draining funds from the agency, which is structured to be self-supporting by charging fees. So just as patent applications have become more and more complex because of the advance of technology, and as global competition exploded, the Patent Office found itself underfunded and understaffed.
Applications now languish so long that technologies can become obsolete before a patent is ruled upon. And the absence of patent protection in some cases allows infringers to steal new technologies, while legitimate inventions are unable to get licensed and start-ups are unable to get funding.
• The agency took 3.82 years on average for each patent it issued last year, up from 3.66 years in 2009 and 3.47 in 2008, according to an analysis of Patent Office data. That's well over twice the agency's traditional benchmark of 18 months to deal with a patent request. And many took years longer.
Keynes identifies the problem with central planning
Cafe Hayek:
Characteristically, Keynes deferred a statement of the basic assumptions of of his fundamental model until the eighteenth chapter of his book, where they are often overlooked. Yet everything in his model depends upon these assumptions, and I am sure that if their limited nature were more widely recognized, Keynes' conclusion would have far less prestige. The crucial passage runs as follows:
"We take as given the existing skill and quantity of available labour, the existing quality and quantity of available equipment, the existing technique, the degree of competition, the tastes and habits of the consumer . . . the social structure including the forces. . . which determine the distribution of the national income. This does not mean that we assume these factors to be constant; but merely that, in this place and context, we are not considering or taking into account the effects and consequences of changes in them" (italics supplied [by Wright]).
This passage (some of the more technical sentences are omitted) assumes in effect that (i) there is no technical change or invention, (ii) there is no change in taste, (iii) there is no change in population or resources, and (iv) there are no changes in the preferences of the population between work and goods, on the one hand, and leisure, on the other. These assumptions, it will be seen, in effect "freeze" the system, and practically every dynamic element of capitalist civilization is removed. Of course, as he explains, Keynes did not mean that these forces were always lacking in reality. But what he did mean, and the point cannot be too often stressed, is that in the basic model on which his system rests, virtually all the dynamic social forces are omitted.
Friday, January 14, 2011
How much do budget restrictions curb government spending?
A 1982 study published by James Bennett and Thomas DiLorenzo in Public Choice found that budget restrictions enacted in 32 states in the 1970s did little to reduce public spending because state and local pols simply moved billions of dollars off-budget into quasi-governmental entities, largely controlled by political appointees. "The principal reason for the establishment of OBEs [off-budget enterprises] in the U.S. has been to bypass the wishes of the electorate whenever the voters express a demand for fiscal restraint," the authors noted in their groundbreaking paper. Today, only about half of all state government revenues makes it into states' main accounts and is subject to budget mandates. The rest flows into the off-budget enterprises, where voter-imposed fiscal restrictions don't apply.
[...]From 2004 through 2008, the states jacked up spending by nearly 35 percent, or about double the rate of inflation plus population growth. Then came the post-2008 economic downturn, and tax revenues plunged. Since late 2008, therefore, states have faced accumulated budget deficits of some $300 billion. Federal stimulus money helped cover about two-thirds of that yawning gap, but legislators have had to close the rest themselves. Many have resorted to methods that New York State's comptroller calls a "fiscal shell game."
MIT students mostly libertarian?
The Tech, Massachusetts Institute of Technology's oldest and largest newspaper, released the results from its political survey conducted last year. A total of 20% of the school's undergraduate and graduate population responded to the questionnaire from October 2010.
The results show that 23% of the respondents consider themselves libertarian. Of that group, 35% believe that the Libertarian Party best represents their political views. That is compared to the 9% who believe that the Republican Party best represents them and the 23% who chose the Democratic Party.
The survey also shows that the plurality, about 38%, of libertarians on MIT's campus consider themselves to be more moderate with their political views. Most respondents favored fiscal conservatism while also considering themselves to be either "liberal" or "very liberal" in regards to social values.
Thursday, January 13, 2011
Meredith Whitney on State and local finances
On a recent broadcast of CBS's "60 Minutes," Meredith Whitney, a banking analyst who recently turned to analyzing state and local finances, said the U.S. could see "50 to 100 sizable defaults," in 2011 amounting to "hundreds of billions of dollars."
Man faces truancy fines for his daughter ...who has run away
Father facing fines for teen's truancy: kxan.com
Wednesday, January 12, 2011
Competitive contracting
Yet there are clear indications that serious contract abuse has become a widespread problem affecting programs and agencies across the entire government and involving tens of billions of dollars in federal funds annually. Non-competitive contracting has more than doubled during the first half of this decade. And just during the last three years more than five federal officials have been convicted of crimes involving federal contracting, three others were placed under indictment, and more are under investigation.
Contractors play a central role in the delivery of critical government services, and their work has a direct and immediate impact on everything from the protection of public health and the flow of commerce to the preservation of our national security. Corrupt and ineffective management of government purchasing therefore places all of the government's responsibilities at risk.
Monday, January 10, 2011
The nightmare that will be the new health insuarance law
Lots of people expected that the high-risk pools created by the new health care law would turn out to be underfunded. Medicare's chief actuary, Richard Foster, warned that the state-based health insurance plans, which were designed to provide coverage for individuals with preexisting conditions, would run out of money in 2012, and possibly sometime this year. And a number state governors warned that the program could become a fiscal liability.
Part of the thinking was that the pools might become deluged by a flood of individuals wanting to enroll. After all, these plans allowed individuals to sign up regardless of preexisting conditions, but at rates that weren't substantially higher than a typical individual market plan. Foster estimated that about 375,000 individuals would sign up for the plans. Instead, so far, just 8,000 people have signed up for the plans, according to a December report in The Washington Post. A number of state plans have fewer than 100 members. Yet somehow that hasn't entirely prevented fiscal problems:
Montana is one of a few states in which the medical bills from those who have joined are huge. New Hampshire's plan has only about 80 members, but they already have spent nearly double the $650,000 the state was allotted in federal money to help run the program, said J. Michael Degnan, its director.
The spending, Degnan speculated, might slow down if it turns out that the early bills reflected a burst of pent-up need for care. HHS agreed to give New Hampshire more money, he added.
Sunday, January 9, 2011
Is it possible to privatize a library?
Back in 1997, Riverside County became the first municipal government in California—and the nation—to contract with a private library operator, entering a partnership with LSSI that is still in place today. In June 2010, the county published a report on the first 13 years of the partnership, highlighting an array of benefits that include decreased operating costs ($900,000 in the first year alone), over $15 million invested in new facilities and renovations, significant investments in new library technology, and a doubling in operating hours, circulation and staffing.
Jane Jacobs on how to revitalize cities
Reason: What do the people who run cities have to do now to make their cities into more livable, more interesting places? Is it to remove some of the things they've done in the last 50 years, or just keep their hands off completely?
Jacobs: It's much less a matter of removing things than adding things, I think. For instance, here in Toronto there were two areas of the downtown that were dying. They were in very good locations but they were old industrial buildings that were becoming vacant. Manufacturing was moving out to where they had more room and where it wasn't as expensive. There were a lot of small developers who saw that these nice old buildings were just ideal for converting into apartments. They were lofts, mostly, and you know how popular they've become. But they were blocked from doing anything about it because of use zoning that said it should be industrial. So you can change that use zoning and allow residential.
Reason: But aren't you then just removing an impediment? Some people say zoning is the big problem.
Jacobs: Wait a minute, I haven't finished. It didn't help to change that use because, again, there were so many impediments that went with it. There were rules and regulations about dwellings -- especially parking places. And the ground coverage in these areas was high, and you couldn't make basements under these nice old buildings. You couldn't satisfy the parking requirements without fairly well destroying what was really nice about the areas and also making it just too expensive. So no matter what happened, they were blocked.
We had a very intelligent mayor at that time, and she listened to what they were saying. And she wanted to remove those impediments. She talked to everybody who had an interest in the area and they agreed that these buildings should be put to the additional use. But they were all so stymied in their thinking about, How do you make it practical?
Well, you're smart. You've already jumped to the conclusion of what makes it practical -- you remove the impediments. The mayor's hardest job was re-educating the planning department, but she did it. They added one new rule, and you might not like this. But it was a very important rule to add: None of the sound old buildings could be destroyed. That was to prevent environmental and aesthetic waste. Otherwise, except for the safety and fire codes, which apply to all the buildings, just about all the old regulations were removed.
Reason: And what happened?
Jacobs: It's magical, it's wondrous, how fast those areas have been blossoming and coming to life again.
It wasn't just removing impediments. It was a use that was missing in the mixture. It didn't replace all the working places. A lot of the working places hadn't disappeared yet, and new ones have come in and been allowed to be added. Also, there are other things that the people who now live there, in combination with the people who work there, can support. The main thing missing in the mixture was added. The same principle you can apply to languishing bedroom communities. What's missing there is workplaces. Here's why I don't like segregation into night things and day things: You don't get the additional things that the workers and the people living there support jointly.
Saturday, January 8, 2011
Czech doctors go for broke
Dozens of Czech hospitals could find themselves struggling to provide basic care on 1 March after almost 4,000 doctors – one quarter of the total number working in the country's hospitals – tendered their resignations in protest at low wages.
The resignations are being co-ordinated by the doctors' union (Lok), which says successive Czech governments have done nothing to improve doctors' salaries since the fall of communism.
Peter Papp, 31, is an oncologist working at a hospital in Usti nad Labem, an industrial city about an hour's drive north of Prague. He spent six years at medical school followed by three years on the cancer wards of two district hospitals.
With maximum overtime, Dr Papp's gross salary is $1,165 (£750, 880 euros) per month, well below the national average.
After tax, health and social insurance payments, he takes home around $900 dollars, less than a car mechanic or waiter.
With rent in the Usti area at around $350 per month, he is left with slightly more than $500 to feed, clothe, transport and entertain himself. After devoting the last nine years of his life to medicine, Dr Papp has had enough.
"I'm not willing to work for the salary of a McDonald's employee," he told me, pointing out that he had made more money teaching English to pay his way through medical school.
Friday, January 7, 2011
How to revitalize a city through zoning
Wall Street Journal:
Anaheim's old downtown was obliterated in the 1970s through past uses of eminent domain and urban renewal. Now, the city (population: 328,000) wants to build a new downtown, and the target location is called the Platinum Triangle, an area of one-story warehouses near Angel Stadium. In the typical world of redevelopment, officials would choose a plan and a developer, offer subsidies and exclusive development rights, and exert pressure on existing property owners to leave the area. Instead, Anaheim created a land-value premium by creating an overlay zone that allowed almost any imaginable use of property. Because current owners could now sell to a wider range of buyers, the Platinum Triangle is booming, with billions in private investment, millions of square feet of office, restaurant and retail space, and more than a dozen new high-rises in the works.
The area is developing quickly, without controversy and without a single piece of property taken by eminent domain. Early signs point to an enormous success. "Too often, I hear my colleagues in local government . . . say that Kelo-type eminent domain and redevelopment policies are their only tools to revitalize cities," Mr. Pringle recently said. "I have a simple message . . . Visit the Platinum Triangle."
The previous planning commission and city council were harsh on small businesses seeking variances; the new council (which took office in December 2002) began overturning one commission decision after another, with the goal of giving local residents and businesses as much leeway as possible.
The council waived fees for homeowners undertaking renovations, on the grounds that the city would gain in the long run by the increase in property taxes. Anaheim also waived fees for business start-ups for three months; some 2,000 new businesses formed in 2005, an increase of one-third from the previous year. It also passed a tax amnesty and eliminated business taxes altogether for home-based businesses. Most cities don't like to allow churches to build new worship centers, because tax-exempt churches typically locate in commercial and industrial areas, taking properties off the tax rolls. Anaheim has eliminated most hurdles for approving new churches. Its housing plan also avoids "inclusionary zoning"--an increasingly popular approach to mandate that builders set aside certain amounts of "affordable" housing.
How education has changed since the 1950's
It was a different time, good and bad. Elected in 1952, Eisenhower was still president. Unemployment was low. Anyone wanting work found it. Most years the economy grew during a post-WW II expansion. Inflation was low. The average new car cost $1,500, a typical home under $10,000. College was affordable. Harvard's 1952 full year tuition was $600. Four years later it was $1,000 – for a full, two-semester year. During the period, anyone could attend evenings at $5 a course and get a Harvard degree for about $175, astonishing but true.
Monday, January 3, 2011
NC gas taxes?
Worth noting are the taxes here in NC on a gallon of gas. As of April, 2010, gas taxes totaled 48.6 cents per gallon. That is the second highest tax in the ENTIRE southeast from Texas to Virginia. Only Florida was higher.
Sunday, January 2, 2011
Raising taxes to meet pension shortfalls?
Gary, Indiana twice received special permission from the state to raise taxes to meet funding requirement. The result is taxes are higher and Gary is still broke. Instead, Indiana, one of 26 states that do not allow municipal bankruptcies, is about to.
Privatize trash collection?
As the Mackinac Center for Public Policy in Michigan reported: "The largest study ever conducted on outsourced garbage collection, conducted by the federal government in the 1970s, reported 29 to 37 percent savings in cities with populations over 50,000. A 1994 study by the Reason Foundation discovered that the city of Los Angeles was paying about 30 percent more for garbage collection than its surrounding suburbs, in which private waste haulers were employed. A 1982 study of city garbage collection in Canada discovered an astonishing 50 percent average savings as a result of privatization."
Completely privatized trash collection means city residents don't get socked with the bill for fraudulently engineered overtime pay, inflated pensions, and gold-plated health benefits in perpetuity — not to mention the capital and operating costs of vehicles and equipment.


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Wheelchair access and step-free access are available via a separate entrance at the front of the Palace. Both must be pre-booked by contacting the Specialist Sales team +44 (0)20 7766 7324 or email email@example.com. Wheelchair access is subject to availability. Limited vehicle parking is available for disability-parking pass-holders who pre-book wheelchair access and step free access.
Manual wheelchairs are available to borrow free of charge, subject to availability, for the duration of a visit. They must be pre-booked by contacting the Specialist Sales team (+44) (0)20 7766 7324.
Mobility scooters can be used in the quadrangle and the garden, and are permitted inside the Palace providing they are compatible with the lifts inside Buckingham Palace.
The lift in the Quadrangle measures 148cm in depth by 94 cm in width and has a weight limit of 500kg.
The lift from the ground floor to the first floor measures 160cm in depth by 94cm in width and has a weight limit of 750kg.
If you have any queries, please contact the Specialist Sales team.
A limited number of rollators (wheeled walkers) and folding stools are also available for visitors to borrow, please enquire at the time of booking.
There are six steps at the Ambassadors' Entrance, the main entrance to the Palace, and 47 steps on the Grand Staircase leading to the State Rooms.
A permanent handrail is available on both sides of the Staircase.
There are 41 steps on the Ministers' Staircase at the end of the tour.
There are ten steps from the West Terrace down into the garden.
Visitors who require step-free access can enter at the front of the Palace. A golf buggy transports visitors from the front of the Palace to the step-free access. There is a half a mile walk out through the gardens - visitors on the access route can take the golf buggy from the West Terrace to the front of the Palace.
Step-free access must be pre-booked by contacting the Specialist Sales team (+44) (0)20 7766 7324.
An hydraulic lift provides access from the Quadrangle into the State Rooms.
Most rooms are carpeted and some have polished wooden floors.
The temporary structures on arrival and in the garden have decking flooring and the garden path is gravelled.
As Buckingham Palace is an historic building, the floors may be uneven and visitors should take care.
A visit to Buckingham Palace lasts approximately three hours. Seating is available in several rooms along the visitor route, on the West Terrace and in the garden.
Visitors are welcome to use walking sticks or folding stools with seat attachments, provided that they have rubber stoppers. Folding stools can be borrowed and are available upon request.
Assistance dogs are welcome, and water is available on request.
The shop is at the end of the visitor route, in the garden. There are ten steps down into the garden. The shop flooring is lino.
An alternative shop, with level access and carpet, is located at the end of the Marble Hall.
Accessible lavatories are available at the start of the Access Route inside the Palace and at the end of the visit in the garden.
Parking is available for disability-parking pass-holders who require step-free access, but must be pre-booked by contacting the Specialist Sales team (+44) (0)20 7766 7324.
The following buses stop near Buckingham Palace and are accessible for wheelchair users: 2, 8, 11, 16, 36, 52, 73, 148, 211, C1 and C10. The nearest London Underground station with wheelchair access is Green Park.
For further information please see how to get there.
For more information or to feed-back please e-mail email@example.com


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And my darling FIL keeps trying to get me to give him formula, and today tried to give DS mashed potatoes.
Because they're "not really solid food".
And when I told him no, he's too young, he said to DS "Mommy doesn't want to get more sleep!"
I said "No, mommy is listening to the doctor about what he eats!"
Ugh. I wish my inlaws could just be supportive of our decision to EBF. I know I'm lucky to be able to do so, and I'm not going to mess it up by supplementing unnecessarily. DS is gaining weight like a champ. He's sleeping better slowly. They're not the ones losing sleep so why should it matter if I celebrate that he slept 4 hours this morning?
Ugh. I just had to rant.
Awww! I feel your pain! My MIL thinks our daughter should eat every time she cries...
I would talk to DH and have him step in when they say something that you do not agree with. I did this and now I just give DH the "look" and he steps in right away.
Mashed potatoes is a big no no though!
Congrats on EBF!
Oh! I should add- MIL and FIL are no longer together, and DH agrees... FIL doesn't get to babysit until he's actually old enough to be "fun". You know, teaching him fishing, eating new things, etc. The things that FIL is known to be good at. It's just the wee tiny ones he's really clueless about.
DH will stand up for our decisions though, it's just... the man had two kids. How could he not know that a 3 week old shouldn't have solid food, much less the cows milk that we put in the potatoes?!


text:
- Product Details
- Reviews (0)
Mood's silk crepe-back satin is a medium-weight silk with a crepe face and a satin face. It has an exquisite drape and a lovely sheen, and makes sumptuous dresses, blouses, skirts and special occasion garments. Available in 96 attractive shades.
Color: Moonstruck
Width: 44/45
Content: 100% SILK
Learn about fabric careHOW TO CARE FOR SILK: Dry cleaning is usually preferable, but silks can be hand-washed or machine-washed on delicate, cool water. Line dry. Test a swatch first. Mood strongly recommends test-laundering a swatch, if you plan to wash your garment or home furnishings yourself.


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They'll survive. Perhaps, when we're gone, those polyester jumpsuits will survive.

It will be--

Then on the cockroaches.

Cockroaches. There'll be polyester jumpsuit and cockroaches.

They'll survive anything.

I am doing double denim, Rose is doing single denim. So together, we are triple denim.

That's right. I think we're just in sync.

We're in sync, the Australian sync.

In Australian sync.

Yeah.

It's all the rage down under. It's been amazing sort of watching Rose has been such a success, obviously. And her style is rocking. And with also one of the highlights, as I'm sure you've all seen this on Bridesmaids. And Rose played Helen.

Helen loves a bit of high fashion.

Helen loved a bit of high fashion?

Yeah.

She wears some pretty high fashion outfit.

Did Helen teach you anything about high fashion, Rose?

Yeah. She sort of dressed like a-- like a Texan housewife with a politician guy, you know, out of space. A lot of the time, she was just quite-- a tete.

One of Rose's favorite looks and one of mine on Rose is a jumpsuit.

Yes. I love a jumpsuit.

Tell me-- I know. I could say it's like a fierce and abiding love. Tell me about how this pilot light grew into a flame--

Well, I was--

of love.

at the flea market in LA, this great flea market at the high school there on Melrose out there. That's been--

Uh-huh.

It's really great flea market. And I got a jumpsuit there. Really disgusting like polyester black, classic 70's jumpsuit probably about, God, five or six years ago. And that was it. A bit--

Not good in the heat?

I mean, really not good in anything.

All right. All right. You know--

Okay.

I think we should do, I-- you've stoked my hunger for a jumpsuit.

Okay.

I wanna go and maybe buy one.

All right.

You'll come with me.

Yeah. Let's do it.

All right.

Okay.

Oh, let's look at [unknown]. Let's meet on this bus. I'm so-- it's so over-stimulating--

Oh, wow.

to have this wear.

It's-- look at them. Sorry. Oh, my-- Oh, my God. And they're people out from Sydney.

Is that the Chippendales?

Oh, my gosh.

Thunder from down under.

They're throwing underwear off the bus. And it says-- it's a label from Sydney. It's our people.

No.

We are handsome.

Oh, wow.

Look at them. It's a whole like eco-world on it.

Australians do excellent swimwear.

I do dress one, and wear.

I do.

I mean, look. That's even one with a bear.

That's not--

I don't [unknown] a bear on my bits.

Oh, jumpsuits.

Hello.

Oh, hello. Well, it would be like a denim fringe. It's either like a slinky-fabric jumpsuit--

Yeah.

right?

Absolutely. Yeah. Now, I've got a couple of the Rebecca Taylor with the silk [unknown] of them--

Yeah.

like the one I've heard in the silk.

And this is cool. This you could wear in the day. It's pretty like has a look with a denim jacket or-- you know what I mean. You could make it--

I know.

like a bit of a--

And look. And if you have a big bunch.

Yeah. Yeah.

Tell me about the time, Rose, the you wore a jumpsuit to the-

Gorgeous.

Screen Actors Guild Awards--

Yeah.

Earlier, do you see a--

I do.

course quite the sensation.

It was very-- I didn't realize it would be such a controversy for a woman to wear pants in the 2012, but they--

Do you think it was sort of was a Bush White House?

I know, right?

And by the way, Rose, you are in amazing scarf.

Well, thank--

Scarf--

you.

Scarf. What are you scarf doers?

I couldn't even say--

I just-- I didn't look at the mirror--

how to do it.

when I did this. So, this is just an unconscious--

Scarf tier?

instinctive effort.

Are you-- are you a little bit French, Rose?

Vivian Westwood. The Oscars.

Yeah. Yeah, the Oscars.

Wore this amazing Vivian Westwood black-beaded--

Uh-huh. Sequined.

front-sequined, sequined, sequined. Anyway, the dress had like one strap in the back. And it was so-- it was like kind of like very proper in the front and like full-on party in the back.

Yes. Party in the back.

How much you love--

Business at the front. Yeah. Which is pretty much eye-roll.

Do you guys think of the hottest thing to buy for--

Girl-like--

today, [unknown]?

They really are. They're like so-- everyone is so different about what they want, what fits. And then, it's like a minefield.

What are your like favorite designer labels?

Oh, I love-- I love a lot of those like the French ones like A.P.C. and Isabel Marant, some Vanessa Bruno, Marsh, Sandro. Those look great.

Uh-huh.

They're all really-- I love in terms of like labelly stuff. Whistles is really cute. They've got some nice stuff. And then, you have the high street things, and then you know, the splurge, you know. Chloe always have lovely shoes.

Did you find yourself being like sort of caring less but being a little more experimental than you used to be?

Yeah. I think so. I think it's really good to work with someone, you know, that you trust and will push you in the right direction and, you know-- you know, you don't necessarily think that you might not always try. So, I think that really helps 'cause otherwise, I probably would be a little more conservative with things.

Like Chaps.

Yeah.

Uh-huh.

Chaps would be next.

Trip--

Tutus.

Yeah. Tutus.

Swan.

I think some sort of headdress.

Maybe just a fascinator. Why are they called the fascinator?

I don't know.

That's what I would like to know.

Actually, YouTube viewers, write in and tell us why they're called a fascinator--

Why?

and tell Rose because she's aching to hear. And also, if you have any questions for Rose, you can tweet them at me, and I'm gonna get answers from her.

That's super cute, actually. I love that. And so--

What is that? Oh, Equipment. They do-- do they not do the best shirt?

They do the best shirt.

Do you have any of them?

Hands down. Yeah. I've got a couple of them.

They just fit so amazingly.

Yeah.

So, how would you say your day to day dressing is?

Pretty boyish, I think. Yeah, lots of pants and things from A.P.C. and shirts and gray sweaters and pretty-- either that or then like a vintage floral dress.

Uh-huh.

I love-- about 4,000 vintage flower dresses. I have a small problem.

Saying that I don't wanna be on an online shop.

The amount of damage you can do in bed--

I know. Oh.

on the computer.

I feel like a little bit-- like a little bit [unknown] if I wear a [unknown] dress.

However, no. You know, we talked of deception [unknown] jean.

Uh-huh.

Celine.

Dion?

No. Celine, the label.

Oh.

Celine, the bag. Celine, as in this Celine bag you have.


text:
Welp! The breakup is finally official. Chris Brown has announced that he and Koldcompress are no longer together and it is in fact over his relationship with Rihanna. He is bold as every circle of hell.
"I have decided to be single to focus on my career," Yellow Cake said in a statement. "I love Karrueche very much but I don't want to see her hurt over my friendship with Rihanna. I'd rather be single allowing us to both be happy in our lives."
Well damn! Everyone tried to tell you to get out, Kalamityjane, but you just had to be Ray Charles to the bullshit. And to have your breakup announced in a statement is all kinds of embarrasing. Whew, you have a prayer here.
Source: TMZ


text:
Peak & Prairie
Mountain Chapter's
Online Newsletter
December 1999 / January 2000
"Good Samaritan" Act Proposed to Facilitate Abandoned Mine Cleanup
by Don Anderson, Water Quality Committee
Senator Max Baucus (D-Montana) recently introduced a bill in the U.S. Senate that may make it more attractive for interested parties to get involved in the cleanup of abandoned mine sites by reducing their potential liability for mine-generated pollution.
This bill, dubbed the "Good Samaritan Abandoned or Inactive Mine Remediation Act," was developed by the Western Governors Association in cooperation with the U.S. Environmental Protection Agency and various interested parties. Currently, abandoned mines have an enormous impact on water quality across the United States, particularly in the mountain West. In Colorado, more than 800 miles of streams are severely degraded by high concentrations of dissolved metals carried in the runoff from thousands of such sites.
While the sources of the problem often are blatantly obvious, the means of addressing them often are not. Regulatory cleanup efforts can be stymied by the difficulty of identifying a "responsible party," especially if the original miners are long gone or if dozens of parties have shared in the ownership and operation of the mine.
The intent of the "Good Samaritan" act is to protect a remediating agency (such as the EPA, a company, or a nonprofit organization) which does not otherwise have liability for an abandoned mine site from becoming legally responsible for that site should they attempt to clean up the pollution problem. Currently, the legal risks to such organizations are a huge disincentive. If Good Samaritan provisions were adopted, many agencies and communities would more aggressively address abandoned mine problems. That day may be drawing closer.
While a well-crafted Good Samaritan law could have tremendous environmental benefits, any such law must be forged with care. A poorly written law could, for example, make it easier for the parties actually responsible for the problem to escape from some or all cleanup responsibilities. Other provisions pushed by the mining industry, such as removing the disincentives for initiating "re-mining" at an abandoned mine site, could create loopholes that would undermine the value of the Act.
Citizens interested in tracking the progress of this bill are encouraged to contact Senator Baucus' office at 202-224-2651, or firstname.lastname@example.com, or log on to his U.S. Senate Web Site (www.senate.gov/~baucus). The Sierra Club supports the concept of the Good Samaritan Act, provided that the Act's provisions do not weaken existing laws holding responsible parties liable for their past actions at problem sites, and provided that clean-ups allowed by the Act actually result in an improvement in water quality.
December 1999 Online Newsletter - Peak & Prairie Home Page - Rocky Mountain Chapter Home Page


text:
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Household Essentials C1517-1 Glidez™ Sliding Organizer
Product Description
Glidez™ 14.5-in Sliding Cabinet Organizer
Remodel your kitchen from the inside out with this Glidez™ organizer. Fully assembled and easy to install, this commercial grade, heavy-duty, chrome wire organizer with Quikfit™ makes every corner of your cabinet accessible. Its full extension glides bring even the back of the basket completely within reach.
- Stow away pots and pans, food items, flatware, or cleaning supplies
- Commercial grade, heavy-duty, chrome wire organizer
- Fully assembled and are easy to install (all hardware included)
- Smooth, full extension glides provide easy access to cabinet contents
|Chromed Steel
|Cabinet Storage Type
|Base Cabinet Organizers, Pull Out Organizers
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text:
Inside the waistband holster combines easy concealment and secure, all-day comfort. Durable, yet breathable saddle leather backing panel rests against the body, with a supple Napa leather outer covering that makes it easy to tuck your shirt smoothly over the holster. Rugged Kydex® holster pocket holds its shape and maintains a snug grasp on the gun. Spring steel clips attach the holster to your belt and let you set the carry height and angle you prefer.
"GLOCK" is a federally registered trademark of Glock, Inc. and is one of many trademarks owned by Glock, Inc. or Glock Ges.m.b.H. Brownells is an independent dealer of parts and accessories for Glock® pistols, and is not affiliated with or endorsed by Glock, Inc. or Glock Ges.m.b.H. The use of Glock on this page is merely to advertise the sale of Glock parts or components. As indicated in the product descriptions, not all parts and accessories on this site are official Glock products.
Leather backing panel and outer shell, Kydex holster pocket, black. Spring steel belt clips, blued. Fits belts up to 1¾" wide. Right-hand only.
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Mfr Part: KT436B
Color: Black
Hand: Right
Material: Kydex, Leather
Style: Inside-the-waistband Holster
Mfr Part: KT472B
Product has been discontinued and no longer available.


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2011 Maryland Legislative Agenda
Vision 2030
The Montgomery County Chamber of Commerce supports policies that will ensure our community's global economic competitiveness into the future. MCCC believes that there are fundamental elements essential for maintaining a vibrant community and fostering healthy growth of knowledge economy industries
Those elements are reflected in our 2011 Business Agenda and include: Investment in infrastructure, a commitment to an educated workforce, aggressive economic development and a predictable and consistent business climate.
In this economic climate, we urge the State to put additional emphasis on economic development and job creation, attraction, and retention. Maryland should aggressively target employers, both public and private sector, for location in Maryland.
Prudent Fiscal Management
Competitive Business Climate
ECONOMIC DEVELOPMENT– Economic Development efforts should support the growth of knowledge economy jobs, include investment in infrastructure, and enhance the overall business climate in Maryland.


text: Ayrton Senna Tribute 1994-2014 to be celebrated during four day event at Imola 27 February, 2014 The Autodromo Enzo e Dino Ferrari, the classic Italian racetrack that sits on the outskirts of the sleepy town of Imola, is arguably the most appropriate place to commemorate the life and times of the great Ayrton Senna, exactly 20 years after his death – over the weekend of 1 to 4 May. The circuit will always be remembered as the circuit that claimed the life of Senna, on May 1 1994. And while that's a difficult legacy to shed, the announcement of the 'Ayrton Senna Tribute 1994-2014', a celebration of the life and times of the great Brazilian, will rekindle memories of a racing legend and a track that quietly slipped from the grand prix canon almost a decade ago. Imola in early spring was one of motorsport's great joys: the leafy, triangular paddock, the blossom in the air, the bark of V10 engines echoing off concrete barriers, and the constant stream of thick, syrupy espresso. This year, it will see a return of Formula 1 – of sorts – after announcing a four-day event at which Ayrton's most famous car, the McLaren MP4/4, will be the centrepiece to a festival that carries official support from the Instituto Ayrton Senna, and which will showcase a series of films, unpublished photographs and exhibits that celebrate Ayrton's life. While the loss of arguably Formula 1's greatest star may have cast an indelible shadow over the Imola autodromo, it's worth remembering that the venue had a flow and character that's rarely seen in modern racetracks. Corners such as Piratella, a plunging, downhill, blind, double-apex left-hander, the Variante Alta, the slingshot chicane at the back of the track, and Rivazza, another double-apex left-hander that always caught out the late-brakers, are as timeless today as they were in the track's heyday. Senna scored some great wins at Imola, and visited the top step of the podium at the venue no fewer than three times: 1988, 1989 and 1991 – all victories as a McLaren driver. (GP247-McLaren) Subbed by AJN. Tweet Related NewsHamilton: Ayrton Senna will always be my main manProst: My breakdown with Senna started at Imola in 1989Stewart and Prost removed from front of Senna's coffinAlonso and Raikkonen lead thousands of fans at Imola 1994 memorialTodt: We owe Ayrton and Roland both a profound debt of gratitudeAyrton Senna – Donington 1993 was the greatest first lap in Formula 1 historyAyrton Senna – A rare interview with the much missed legendAyrton Senna – Sutton Images commemorates the life of a legendRoland Ratzenberger: Gone but never to be forgottenChinese Grand Prix: Drivers' press conference full transcript Tamburello1994 Righteous Paul! Great piece! With the Michael situation and the start of the season right around the corner one could easily forget about this sad, but important anniversary. I for one cannot believe its been twenty years gone – – although a quick car comparison 1994 to 2014 is a big wake up on how much time has gone by. I would just love to hear a five minute "Senna riff" on F1 2014. Classic. I'm also surprised someone hasn't done one of those age-enhanced renditions on what Ayrton would look like today. Said this to a friend and he disagreed saying he wanted to always remember Senna young as he was. That's fine too I suppose. I just have a hard time imagining Senna with grey hair. I will disagree with the article on this; "the venue has a flow and character that's rarely seen on modern racetracks." You mean HAD. The additions of the chicanes at Tamburello and what came to be known as Gilles Villeneuve absolutely killed that circuit. You used to have to be a hairy chested (you-know-what) to be flat out in that first sector before you got to Tosa. Great passing ops right here. Now it's just cookie cutter with no rhythm whatsoever. The track is completely pedestrian now. It's totally understandable the reaction – but when Roland and Aryton were killed – They killed Imola too. gp247 Agreed: has is now had


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Fly your flag over USS CONSTITUTION!
USS CONSTITUTION's Flag Coordinator honors all requests to fly national ensigns (U.S. flags) of recognized current and historic configurations, U.S. Navy Jacks and other flags of service, state and federal government agencies. We cannot fly flags of other nationalities or any flag which could bring discredit to the naval service.
All flags are required to have metal rings or grommets to allow the flag to be hoisted. Nylon, all-weather 3'X5' flags are available to purchase from USS CONSTITUTION.
Payment information: If you would like to purchase one of CONSTITUTION's 3'X5' flags, send a total of $35.00 ($25.00 for the flag + $10.00 for shipping and handling) cash or money order ONLY (checks will NOT be accepted) made payable to "Constitution MWR". If you are sending your own flag to CONSTITUTION to be flown, you must include $10.00 cash or money order with your flag for shipping and handling. Flags sent to CONSTITUTION without a return shipping payment will NOT be returned until payment is submitted. USS CONSTITUTION can NOT ship flags to APO addresses. Flags and payments can be mailed to:
ATTN: Flags Department
Bldg. 5, Charlestown Navy Yard
Charlestown, MA 02129-1797
Each flag that we fly will be accompanied by a personalized certificate signed by the CONSTITUTION's Commanding Officer. The required information to have a certificate made is as follows:
- Name, rank and warfare designation (i.e. CDR, ET1(SW), PFC, if applicable) of the individual the flag is being flown for.
- The occasion for the flag flying (reenlistment, retirement, commissioning, birthday, etc.)
- Specific date (if applicable) the flag is to be flown.
- A detailed return address.
- A detailed point of contact, including phone number.
WHO: ETC (SW/AW) Gail G. Smith
OCCASION: "Retirement following 20 years of honorable service"
WHEN: Date flag is to be flown
Please allow up to 2 weeks upon receipt of flag for delivery.
Contact information:
E-mail: firstname.lastname@example.com


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Ufog: Worst Super Bowl halftime shows ever, or praying for Bruce Dern and a blimp: http://bit.ly/bYOeqK
Tweet 8714434990
"If you understood everything I said, you'd be me" - Miles Davis
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Safety Warning. Not for use as a stroller. May contain parts. Manufactured in a facility where one or more of the following may be present: Peanuts, almonds, unfiltered water, oxygen, ultaviolet and infrared radiation, sunlight. Use only as directed by your legal counsel. Do not use during earthquakes, volcanic eruptions, flooding or presidential election years. Use of handles may promote RSI, see your doctor or therapist before opening. May be flammable when exposed to open flame. Not for use as a stepping stool or adult seat. May cause injury if dropped from a height. Does not enable user to fly. Do not eat. If erection lasts for over 4 hours call friends and brag. Persons attempting to find a motive in this blog will be prosecuted; persons attempting to find a moral in it will be banished; persons attempting to find a plot in it will be shot. We don't need no stinkin' badges. Same-day service. Unplug after use. Slippery when wet. Ignore this notice. Use only as directed. Consume in moderation. Lather, rinse, repeat. Your mileage may vary. For external use only. Don't try this at home. No purchase is necessary. You must be present to win. Do not think of an elephant. Other restrictions may apply. Apply only to affected areas. Part of a daily balanced diet. No shirt, no shoes, no service. You need not be present to win. No user-serviceable parts inside. Do not exceed recommended dosage. Offer void where prohibited by law. Do not remove under penalty of law. You have the right to remain silent. If swallowed, do not induce vomiting. Valid only at participating locations. Freshest if used before date specified. Prices subject to change without notice. Do not fold, staple, spindle or mutilate. Contents may have settled during shipment. Caution! The edge is closer than you think. In emergency, break glass, pull down handle. Product is sold by weight and not by volume. Do not use if safety seal is torn or missing. If condition persists, consult your physician. Detach and include upper portion with payment. Nutritional need is not established in humans. Objects on screen are closer than they appear. Satisfaction guaranteed; return for full refund. Names have been changed to protect the innocent. Anything you say can and will be used against you. May be used as flotation device in case of emergency. Please note locations of emergency exits upon arrival. No animals were harmed in the production of this page. Caution: Dates on calendar are closer than they appear. Please leave as clean on leaving as you would like to find on entering. Any resemblance to actual persons living or dead is purely coincidental. Do not use if you have ever had an allergic reaction to this product or any of its ingredients.
Business is unpredictable and unsafe. The Internet is dangerous. Many blogs have been written about these dangers, and there's no way we can list them all here. Read the blogs.
The Internet is covered in slippery slopes with loose, slippery and unpredictable footing. The RIAA can make matters worse. Patent trolls are everywhere. You may fall, be spammed or suffer a DOS attack. There are hidden viruses and worms. You could break your computer. There is wild code, which may be vicious, poisonous or carriers of dread malware. These include viruses and worms. E-mail can be poisonous as well. We don't do anything to protect you from any of this. We do not inspect, supervise or maintain the Internet, blogsphere, ISP?s or other features, natural or otherwise.
Real dangers are present even on the Web. E-commerce is not the mall. It can be, and is, steep, slippery and dangerous. Web features made or enhanced by humans, such as firewalls and spam filters (if any) can break, collapse, or otherwise fail catastrophically at any time. We don't promise to inspect, supervise or maintain them in any way. They may be negligently constructed or repaired. The web is unsafe, period. Live with it or stay away.
Stay on trusted sites whenever possible. The terrain, in addition to being dangerous, is surprisingly complex. You may get lost. Carry food, water and an APU at all times.
Ads for things you don't want and other objectionable content can arrive from nowhere. This can happen naturally, or be caused by people around you that are being used as bots. Spam and disgusting images of all sizes, including huge images, can arrive, or pop-up with no warning. Use of spam filters is advised for anyone approaching the Internet. They can be purchased or rented from us. They won't save you if you get hit by something big or on a port you left open. A whole DOS attack might collapse on you and squash you like a bug. Don't think it can't happen.
Public opinion can be dangerous, regardless of the forecast. Be prepared with extra damage control, including press releases. Ticking off the blogsphere can kill you. The Streisand effect can turn a simple nastygram into a deathtrap.
If you make hasty comments about those in high places (making unsupported comments that reduce the image of a person, often posted quickly and without thinking) without proper thought and, or allow your employees to do so, you are making a terrible mistake. Even if you know what you're doing, lots of things can go wrong and you may be sued for libel. It happens all the time.
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Warning: This Product Warps Space and Time in Its Vicinity.
Warning: This Product Attracts Every Other Piece of Matter in the Universe, Including the Products of Other Manufacturers, with a Force Proportional to the Product of the Masses and Inversely Proportional to the Distance Between Them.
Caution: The Mass of This Product Contains the Energy Equivalent of 85 Million Tons of TNT per Net Ounce of Weight.
Handle with Extreme Care: This Product Contains Minute Electrically Charged Particles Moving at Velocities in Excess of Five Hundred Million Miles per Hour.
Consumer Notice: Because of the 'Uncertainty Principle,' It Is Impossible for the Consumer to Find Out at the Same Time Both Precisely Where This Product Is and How Fast It Is Moving.
Advisory: There is an Extremely Small but Nonzero Chance That, Through a Process Known as 'Tunneling,' This Product May Spontaneously Disappear from Its Present Location and Reappear at Any Random Place in the Universe, Including Your neighbor's Domicile. The Manufacturer Will Not Be Responsible for Any Damages or Inconvenience That May Result.
Read This Before Opening Package: According to Certain Suggested Versions of a Grand Unified Theory, the Primary Particles Constituting This Product May Decay to Nothingness Within the Next Four Hundred Million Years.
This is a 100% Matter product: In the Unlikely Event That This Merchandise Should Contact Antimatter in Any Form, a Catastrophic Explosion Will Result.
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Note: The Most Fundamental Particles in This Product Are Held Together by a 'Gluing' Force About Which Little Is Currently Known and Whose Adhesive Power Can Therefore Not Be Permanently Guaranteed.
Attention: Despite Any Other Listing of Product Contents Found Hereon, the Consumer Is Advised That, in Actuality, This Product Consists Of 99.9999999999% Empty Space.
New Grand Unified Theory Disclaimer: The Manufacturer May Technically Be Entitled to Claim That This Product Is Ten-Dimensional. However, the Consumer Is Reminded That This Confers No Legal Rights Above and Beyond Those Applicable to Three-Dimensional Objects, Since the Seven New Dimensions Are 'Rolled Up' into Such a Small 'Area' That They Cannot Be Detected.
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Health Warning: Care Should Be Taken When Lifting This Product, Since Its Mass, and Thus Its Weight, Is Dependent on Its Velocity Relative to the User.
Important Notice to Purchasers: The Entire Physical Universe, Including This Product, May One Day Collapse Back into an Infinitesimally Small Space. Should Another Universe Subsequently Reemerge, the Existence of This Product in That Universe Cannot be Guaranteed.
Use inside a nuclear power facility voids warranty.
Sat-Feb 06 2010
TwitterFri, 05 Feb 2010 23:40:40
Ufog: Worst Super Bowl halftime shows ever, or praying for Bruce Dern and a blimp: http://bit.ly/bYOeqK
Tweet 8714434990
Fri-Feb 05 2010
TwitterFri, 05 Feb 2010 09:21:42
Ufog: LOST vs. Avatar http://bit.ly/aahGoU
Tweet 8685615907
TwitterThu, 04 Feb 2010 18:31:43
Ufog: Big dog, little cat http://bit.ly/bce0PP
Tweet 8659369667
Thu-Feb 04 2010
TwitterThu, 04 Feb 2010 10:17:28
Ufog: Best Skull Stapler Ever http://bit.ly/9fv3h1
Tweet 8642116309
TwitterThu, 04 Feb 2010 09:39:34
Ufog: RT @sween: My favorite part of eating M&Ms is watching their little white gloves twitch... and then fall still.
Tweet 8640833203
TwitterThu, 04 Feb 2010 09:36:22
Ufog: RT @Wackywack: Brain Thief http://bit.ly/9jUGYR (I read it, it's good)
Tweet 8640725325
TwitterThu, 04 Feb 2010 09:17:51
Ufog: LOLDogs: SNEAK ATTACKS http://bit.ly/cNU8nk
Tweet 8640088470
Wed-Feb 03 2010
TwitterWed, 03 Feb 2010 02:26:00
Ufog: RT @justinvincent Spray-on liquid glass is about to revolutionize almost everything http://bit.ly/9ZpKIL
Tweet 8580125672
TwitterWed, 03 Feb 2010 08:03:02
Ufog: Test: Programming as a hobby means the tinkering never stops.
Tweet 8579617057
Twitter Wed, 03 Feb 2010 07:46:16
Ufog: RT @wonderella: #LOSTspoilers everybody's on the goddamned MOON.
Twitter Tue, 02 Feb 2010 23:41:21
Ufog: RT @KateYule: Remember, one does not buy an eBook. One "buys" an eBook.
Twitter Tue, 02 Feb 2010 23:34:16
Ufog: RT @hodgman #fakelostspoilers for the west. When the bomb went off, Juliet flashed forward to the 80s V.
Twitter Tue, 02 Feb 2010 23:25:18
Ufog: Ok, self-written app to mirror tweets to blog SEEMS to be 100%. Have to be careful with long retweets-twitter cuts off the end.
Twitter Mon, 01 Feb 2010 19:46:40
Ufog: RT @daviddlevine: New interview with Bill Watterston (Calvin & Hobbes) "How I miss the groupies, drugs and trashed hotel rooms!" http://bit.ly/9brwog ...
Twitter Mon, 01 Feb 2010 19:18:47
Ufog: RT @HonestHypocrite: [glad this is making the rounds, I love the slacktivist ] RT @MattTheHearn: ... I bring you: politics! http://is.gd/7veyJ ...
Twitter Sat, 30 Jan 2010 03:19:59
Ufog: DJ Schmolli-In-A-Gadda-Blue-Monday (Iron Butterfly vs New Order) http://bit.ly/ccU6jP via Puritan Blister: http://bit.ly/bm0VhQ #mashup #fb
Twitter Fri, 29 Jan 2010 19:20:45
Ufog: Coffee and Bacon, the perfect food http://is.gd/7kCqI #fb
Twitter Fri, 29 Jan 2010 01:04:23
Ufog: When did Australia becoma a nation of prudish wusses? http://is.gd/7h66C #nsfw #madmaxnomore #fb
Twitter Mon, 01 Feb 2010 19:11:53
Ufog: RT @GreatDismal: Show me on the doll where the Internet touched you.
Twitter Sat, 30 Jan 2010 03:31:29
Ufog: RT @justinvincent: How geek communication differs from the norm. http://bit.ly/dl1CAZ
Twitter Mon, 01 Feb 2010 19:59:46
Ufog: RT @GreatDismal: RT @LittleMonsta: Electricity generating silicone implants invented for US spooks http://bit.ly/df4DSh
Twitter Mon, 01 Feb 2010 19:53:24
Ufog: RT @johnmoe: You run a radio station, throw a party. Prince shows up, asks for you, you chat for 20 minutes. Happened to my friend Jim o ...
Twitter Mon, 01 Feb 2010 21:49:34
Ufog: The human genome has evolved as a holobiontic union of vertebrate and virus. http://is.gd/7wKtQ #brundlefly #fb