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Self-canceling installment notes (SCINs) are often discussed, but rarely used by our clients, until now. A SCIN involves the sale of an asset (for example, a business interest or stock), typically to the seller's family members, in exchange for an installment note with a term shorter than the seller's life expectancy. It's structured so that all indebtedness is forgiven upon the death of the seller
Self-canceling installment notes (SCINs) are often discussed, but rarely used by our clients, until now. A SCIN involves the sale of an asset (for example, a business interest or stock), typically to the seller's family members, in exchange for an installment note with a term shorter than the seller's life expectancy. It's structured so that all indebtedness is forgiven upon the death of the seller (the note holder). While the SCIN is a great estate-planning vehicle, clients often use the short or mid-term applicable federal rate (AFR) for intra-family sales structured with a loan, to avoid the SCIN mortality risk premium. (The Internal Revenue Code requires that a mortality risk premium be added to the AFR.) But, given the current sustained long-term low interest rate environment and its effect on reducing the mortality risk premium, choosing the AFR rate may be short-sighted. The SCIN has many other advantages that outweigh the small difference between the AFR and the SCIN interest rates. We'll discuss why high-net-worth families should execute SCINs — now more than ever.
How it Works
Besides direct gifting, no other planning strategy provides the immediate removal of an asset from an estate as does the SCIN. Three U.S. Tax Court cases have clarified the tax effect of the SCIN: Estate of Moss v. Commissioner,1Estate of Frane v. Comm'r,2 and Estate of Costanza v. Comm'r.3 Further, Congress approved the basic rule under IRC Section 2512: The value of the property transferred must equal the consideration, and any excess value will be deemed a gift.4. Due to the potential for substantial wealth transfer, the IRS requires a mortality risk premium be added to the AFR. This premium is calculated using a formula that considers the life expectancy of the seller (the older the seller, the higher the premium).
The estate benefits of the SCIN are easy to identify if the seller dies before life expectancy. The asset sold is immediately removed from the seller's estate. The note then terminates at the seller's death, making all future interest and principal payments disappear. This termination isn't considered a gift. In contrast, a seller using a traditional installment method must include whatever remaining principal exists at the time of death in his estate. With a SCIN, even if the seller lives to life expectancy, the asset that's sold grows outside the seller's estate.
Calculating Annual Payment
The annual payment for a SCIN is calculated in one of three ways:
- Amortized note with mortality risk premium added to the principal amount;
- Interest-only note with mortality risk premium added to the principal amount; or
- Amortized note with mortality risk premium added to the interest rate (SCIN rate).
In all cases, the interest rate is fixed for the life of the note at the calculated SCIN rate for the month in which the note is created.
Interest rate trends have created an unexpected efficiency of the mortality risk premium relative to the AFR, so the difference between the AFR and SCIN rate is greatly reduced. This current trend (what we call the "SCIN premium contraction") presents a unique, low-cost opportunity to capitalize on the tremendous benefits a SCIN provides. As interest rates decrease, so do the mortality premiums that are part of the SCIN equation, lowering those rates. "Risk Premium Contraction" (below), illustrates the difference in percentages between the SCIN rate and long-term AFR, at ages 55 and 70, between January 2000 and March 2012. As the lines approach zero, the SCIN rate is reduced relative to the long-term AFR.
For a male, age 55, there's been no difference between the SCIN rate and the long-term AFR only twice in history — in December 2010 and again in August 2011. The largest spread between the SCIN rate and AFR since January 2010 was only .58 percent. The highest spread from January 2000 through December 2011 was in June 2000 when the premium was 3.31 percent, creating a SCIN rate of 9.7 percent. The SCIN rate as of March 2012 is 3.07 percent, less than one-third of the rates a decade ago!
For a male, age 70, the lowest SCIN premiums over the AFR have been 2.39 percent and 2.49 percent in December 2010 and August 2011, respectively. Contrast these premiums with those of June 2000, when a 70-year-old male would have had to pay a premium of 6.09 percent over the AFR of 6.39 percent or a SCIN rate of 12.48 percent.
The AFR and IRC Section 7520 rates were added to the IRC with the enactment of the Deficit Reduction Act of 1984.5 The IRC interest rates (which are based on the AFRs) have never been lower than they are now. With this historical perspective, SCINs should become part of every planning discussion. "Rates for Age 55 Male" (p. 24) and "Rates for Age 70 Male" (p. 24), show the steady decline of the AFR, along with a steady decline in the SCIN rate, since January 2000.
If a client has difficulty justifying the payment of a mortality premium for a SCIN, consider that the SCIN rates for both ages 55 and 70 are now lower than the average 30-year mortgage loan rates over the last 20 years. The average 30-year fixed mortgage since 1990 is 6.97 percent, according to the Freddie Mac Primary Mortgage Market Survey of 30-year fixed rate mortgages.6 A SCIN structured in March 2012 for a male age 55 would have a lifetime fixed rate of 3.07 percent. The SCIN rate for a male age 70 for March 2012 is 5.52 percent for life.
The SCIN Advantage
The overriding benefit of using a SCIN in wealth transfer planning is that the principal amount outstanding to the seller is forgiven at his death. With forgiveness of the note, the asset is removed from the estate. There's a major shortcoming to the IRC methodology in that it doesn't take specific health conditions into consideration, but this shortcoming works to the taxpayer's advantage. The IRC requires disclosure of poor health or terminal illness, but otherwise bases the SCIN risk premium on only the age of the seller. Terminal illness is defined as an "incurable illness or other deteriorating physical condition that would substantially reduce a person's life expectancy to the extent that there is at least a 50 percent probability that the individual will not survive for more than one year from the valuation date."7 This works in favor of the taxpayer, because the risk premium could understate the risk that the seller will die during the SCIN term in certain circumstances. Quite a number of serious diseases and conditions, such as heart diseases, diabetes, Alzheimer's and many cancers don't reduce life expectancy to a 50 percent probability of death within one year.
When the seller is reluctant to give up the cash flow or income from an asset, a SCIN may provide lifetime cash flow payments. These payments may be customized to the seller's objectives. Though counter-intuitive, a taxpayer may either overvalue an asset being sold or increase the interest rate charged in a SCIN to increase the income paid from the note. It seems illogical that the IRS would challenge an asset being sold for more than its appraised value or at a rate higher than the minimum prescribed by the IRC. Later, we provide a fact pattern, "Natural Gas Leases," in which this technique might be used.
As with any intergenerational sale, all appreciation after the SCIN is created is removed from the estate. The asset that's sold grows outside the estate of the seller. "Why Do a SCIN?" (p. 25), shows the factors to consider in determining if a SCIN is the right strategy for your client.
Combining SCIN and IDIT
A common concern among advisors pertaining to a sale to an intentionally defective irrevocable trust (IDIT) is the incomplete nature of the transfer if a seller dies during the term of the note. Arguably, a SCIN sale to a defective trust is a completed transfer at the moment the grantor dies. There's no note to include in the estate of the decedent and, perhaps, less risk of IRS scrutiny.
SCINs may be structured with an IDIT. This freezes the value of the asset and leverages the trust growth based on the seller-financed, minimum interest rate. If the asset being sold can support the SCIN payment, and the risk premium has been mitigated with the interest rate, a SCIN immediately reduces the seller's estate.
The tax consequence to the seller remains neutral as the seller/grantor reports offsetting income tax and interest deduction for the interest portion of the payments received.8 Principal repayment is received tax free.9 The major considerations include the seller's health and cash flow needs, as well as the cash flow attributes of the asset to be sold.
SCIN With Real Estate
Consider the example of John Martin, who has a net worth in excess of $20 million and a $5 million real estate portfolio that he's ready to transfer to his children. He has already used his gift tax exemption, so selling the property is the only way to transfer it to the next generation without gift tax. Furthermore, John has had several health setbacks in the last five years, most certainly shortening his life expectancy, evidenced by recent unsuccessful attempts to be underwritten for life insurance. The real estate generates an annual net income of $500,000, which he uses to maintain his standard of living. John is 70 years old and has an emotional, perhaps irrational desire, given the size of his estate, to maintain the real estate cash flow for the rest of his life.
Selling the real estate over the maximum term SCIN would require a payment of $485,333 per year. In a sale scenario without a SCIN, the trustees would be encouraged to accelerate principal repayment to repay the debt. Instead, the trustees would be better advised to enter into a SCIN transaction, and use any excess cash flow to compound in the trust, outside of the estate. The relatively low risk premium, better alternative use of excess cash and the comfort of lifetime payments, make a SCIN the clear best option for wealth transfer for John.
Natural Gas Leases
Let's assume that David Jones, a 55-year-old male, has an estate of less than $5 million in real estate, but expects a very high volume of payments from future natural gas royalties. At the moment, a professional appraiser values the royalties at $500,000, due to the risks that the natural gas will never be extracted from the property. However, anecdotal evidence from neighboring properties indicates a potential cash flow in excess of $1 million per year for the foreseeable future. David faces a conundrum in that he's cash poor, but possibly about to encounter a huge increase in the value of his estate and estate tax exposure. David has expressed that if he could maintain $350,000 of annual cash flow for life (three times his current income), he would like to remove the future appreciation from his estate to a trust for his descendants. A SCIN for the appraised value of $500,000 at the lowest SCIN rate in March 2012 provides annual cash flow of $26,861. If instead, the sale was for $6,515,100, the annual trust payments would satisfy the $350,000 cash flow requirement expressed by David. All royalty payments in excess of what's paid to David and appreciation of the real estate are removed from the estate, thus avoiding the potential for estate tax.
If natural gas isn't produced from the property, the trust will be forced to default on the SCIN payments, and the property will be returned to the estate.
As customary with sale-to-trust methodology, the trust entering into the SCIN should be seeded with at least 10 percent of the purchase price and stay current on SCIN payments to elude IRS scrutiny.
Refinancing Opportunity
As indicated by the orange horizontal line in "Rates for Age 55 Male," and "Rates for Age 70 Male," there's a great opportunity for a trust that has previously structured a purchase from its grantor to restructure and refinance to a SCIN. The orange horizontal line shows the current SCIN rate at each age. The SCIN rate in March 2012 for a 70-year-old male, including the mortality risk premium, was 5.52 percent, lower than the mid-term rate for all notes created before January 2001, when the mid-term AFR was 5.61 percent. The SCIN rate for a 55-year-old male in March 2012 is 3.07 percent, lower than the mid-term rate for almost all notes created before October 2008.
- Estate of Moss v. Commissioner, 74 T.C. 1239 (1980), acq. 1981-2 C.B. 1, 1981 WL 383629 (IRS ACQ Dec. 31, 1981).
- Frane v. Comm'r, 998 F.2d 567 (8th Cir. 1993).
- Costanza v. Comm'r, 320 F.3d 595 (6th Cir. 2003), rev. F Costanza v. Comm'r, T.C. Memo. 2001-128.
- "Where property is transferred for less than an adequate and full consideration in money or money transfer then the amount by which the value of the property exceeded the value of the consideration shall be deemed a gift, and shall be included in computing the amount of gifts made during the calendar year." Internal Revenue Code Section 2512.
- The Deficit Reduction Act of 1984 (H.R. 4170, 98th Congress, Public Law 98-369).
- Primary Mortgage Market Survey 2011 by Freddie Mac, www.freddiemac.com/pmms/pmms30.htm.
- Treasury Regulations Section 25.7520-3(b)(3).
- Revenue Ruling 85-13, 1985-1 C.B. 184.
- Ibid.
Sean Maher, far left, is the CEO of Valley Forge Financial Group Inc. in King of Prussia, Pa. and Tim Laffey is head of its Wealth Transfer Operations
— Sean Maher and Tim Laffey


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Barcelona assistant manager Jordi Roura labels Bayern Munich thrashing an 'awful result'
Barcelona assistant manager Jordi Roura described last night's 4-0 thrashing by Bayern Munich as an "awful result" with the Catalan club's hopes of reaching the Champions League final all but over.
Two goals from Thomas Muller and one each from Mario Gomez and Arjen Robben gave Jupp Heynckes' side an advantage which leaves the Catalans little hope of turning things around at the Nou Camp next Wednesday.
While Barca can never be underestimated, it will require a turnaround of colossal proportions to prevent Bayern from reaching their third Champions League final in four years.
Given the manner of the Bundesliga side's domination, it is nigh-on inconceivable they will not be walking out at Wembley on May 25.
While Roura insists Barcelona will fight tooth and nail to overturn the deficit, he acknowledged the damage caused by the demolition.
He told reporters: "The players are sad and frustrated.
"This was a game that we were excited about and the result is awful. We're all sad but this is football. We have to keep on going.
"The defeat is very painful and it complicates our chances of getting to the final."
Roura added: "We will try to turn this tie around in the return leg.
"Miracles are hard to get and the 4-0 result is complicated, but our obligation is to fight as hard as we can.
"We will keep on trying until the referee blows the final whistle."
While critical of the referee, Roura also pointed to Bayern's greater physical presence although that did not give sufficient credit to the nature of the Germans' domination.
"In the first half we competed well but they scored from a set piece and we knew coming into the match that they were a physical side; strong and powerful," he said.
"In the first half we had our options.
"What hurt us the most was the second goal. We tried to carry on but Bayern made it very difficult."
Lionel Messi returned to the squad last night after missing Barca's last three league matches with a hamstring problem.
He was well-marshaled at the Allianz Arena but Roura praised the effort he had made to even just be on the field.
He said: "Leo put in an incredible effort to be here. He managed to play the 90 minutes and he did what he could. I'm proud of how hard he worked to be here."
Messi was honest about Bayern's total eclipsing of the La Liga side, telling reporters: "They were better than us, they were much stronger. They were superior in everything."
Messi insisted he had "felt good" and he looked towards the coming days when Barca can claim the title, provided they beat Athletic Bilbao at San Mames and nearest challengers Real Madrid slip up at local rivals Atletico, before they attempt an unlikely comeback next week.
"The comeback is very complicated," Messi said.
"Bayern are a very good team, but we'll try.
"We need to get (ourselves) up, win the league and try to overcome this and if we cannot then think of next season."

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As an acrobat performs on her harness, a stunning light show complements her dance in real-time, responding to sound and movement.
The F/A-18 Hornets of the famed US Navy Flight Demonstration Squadron return to the skies this weekend to begin the Blue Angels' 68th season of precision flying.
Cramming a lot of fun into small packages, the Rolling Spider and Jumping Sumo MiniDrones will be landing in the US in time for the holidays.
A GoPro action sports camera takes a tumble from a skydiver's helmet and ends up landing in a big pig mess.
Highlights of the latest release include improved mobile operation, cloud integration, and editing tools.
In their latest trick, these flying platforms show off some amazing balancing skills.
Emergency fixes released yesterday are designed to fix vulnerabilities recently exploited by a series of targeted attacks.
The software company releases an update designed to patch critical security holes in three of its products.
The new XI version of Reader beefs up the commenting and Protected Mode features, while the latest flavor of Acrobat offers updated text and image editing.
Jedi lookalikes perform spectacular tricks in a Utah valley desert that's similar to the Skywalker home world Tatooine.


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When Will Aimee Mann Get Credit for her Hilarious Videos?
Type: Article | Date: Wednesday, Apr 9, 2014Aimee Mann has given us some of the funniest, most sophisticated music videos of the past decade.
Series finale review: 'The Big C: Hereafter'
Type: Post | Date: Tuesday, May 21, 2013Cathy and her family prepare for the end as the Showtime dramedy concludes on a strong note
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Type: Video | Date: Friday, Aug 16, 2013Five days in the life of an American couple immediately following the accidental death of their child.
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Type: Article | Date: Wednesday, Jun 23, 2010Cynthia Nixon will appear in four episodes of the Showtime cancer comedy
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Type: Article | Date: Thursday, Sep 1, 2011Laura Linney comedy will get a 10 episode third season
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Type: Event | Date: Monday, May 20, 2013The series ends tonight.


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Xbox Live Sale: Call of Duty galore
Following up yesterday's Resident Evil fire sale, Call of Duty joins the ranks as the massive Xbox Live discounts continue. Today, we have Call of Duty both new and old on offer.
You can grab Black Ops for $19.99, Black Ops II for $49.99, Modern Warfare 3 for $29.99, and finally, World at War (my personal favorite), Call of Duty 2, 3, Modern Warfare, and Modern Warfare 2 all for $9.99.
Basically, anything from Modern Warfare on still has a decent size community on Xbox Live, so you if you've never played a Call of Duty game and want to try it out for the first time, you really can't go wrong with $9.99. Just take your pick of setting and see what the series is all about this weekend.
Also, don't forget the perpetual sale!
Xbox Live Ultimate Game Sale: Day 4 [Major Nelson]
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A unique and octagonally designed peaceful countryside retreat close to Scarborough offering a warm welcome and bed and breakfast with a difference. Harmony is totally non smoking and situated in tranquil extensive grounds surrounded by beautiful 360 degree panoramic views overlooking the National Park and sea. Our aim at Harmony is to give friendly personal service during your visit. We can offer attractively decorated comfortable single twin double or family rooms all with en suite facilities television radio alarm and complimentary tray. We have a 'premises drinks licence' and so you could relax with a drink if necessary in the guest lounge or enjoy the superb views from our spacious wind chime decorated conservatory. Away from the busy streets and traffic of Scarborough with ample private parking it is an ideal base for walking cycling or motoring with easy access to Scarborough Whitby the North York Moors and the dramatic North Yorkshire coastline. You can start your day with a full traditional English breakfast or a vegetarian choice and if given sufficient notice also cater for alternative diets whenever possible. Although our standard breakfast serving time is between 8:30am and 9am if you have other requirements then we can always discuss alternative options. Please note due to our elevated location we have 12 low-rise steps into the house. For your comfort and convenience do please make us aware of any special requirements you may need before arriving and we will try our best to accommodate you. Scarborough which is England's first holiday resort is only 3 miles away. 10 min by car. We now offer WiFi to our guests.
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Brazil's Beauty Sales Reach Record High But Exports Drop
By: Fernanda Bonifacio
Investments in Brazilian R&D and marketing proving boon to individual companies and the market as a whole.
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Going Social, Collaborations, Texture and More Beauty Packaging News for Early July 2013
Discover new launches from New High Glass, Albéa, Aptar Home + Beauty, Bioplan and many more, as well as news on Luxe Pack Shanghai, Dupont and beyond.
Jul 05, 2013 | 10:32 AM CDT
New Conditioning Products Set to Help Boost Category in Canada
This reflects an increasing focus on hair health and manageability, as well as the further saturation of the conditioners category, according to Canadean's market research.
Jul 05, 2013 | 09:59 AM CDT
Hair Color, Styling Agents Display Value in Australia
Canadean, a market research firm, released a report showing how the hair care market is trending in Australia.
Jul 05, 2013 | 09:53 AM CDT
Shampoo to Lead Hair Care Sector Growth in Japan
According to market researcher Canadean, shampoo is set to record the fastest growth in the Japanese hair care sector, while styling agents and hair colorants are also expected to climb.
Jul 02, 2013 | 10:22 AM CDT
New Patents, Facilities, and More Beauty Ingredient News and Launches for Early July 2013
Learn about new developments from schülke, Alban Muller, Presperse, Clariant, DKSH, Xiameter and more.
Jun 28, 2013 | 02:02 PM CDT
Cosmoprof North America Announces Beatique Sampling Participants
Twenty beauty brands will participate in the new beauty sampling program available at Cosmoprof North America for 2013.
Jun 26, 2013 | 12:00 PM CDT
Demand for Organic Beauty to Grow to Over $13 Billion by 2018, Report Says
A new organic-focused beauty market report from Transparency Market Research notes that global demand continues to climb, growing at a CAGR of 9.6% from 2012 to 2018.
Jun 25, 2013 | 12:04 PM CDT
Solar Beauty, Airless Tech and More Beauty Packaging News for Late June 2013
Browse new beauty packaging launches from Cosmogen, Dieter Bakic, Qosmedix, Aptar and more.
Jun 21, 2013 | 09:48 AM CDT
L'Oréal Crowns 2013 Brandstorm Champs
The global marketing competition for students around the world focused on the hair care and styling category for L'Oréal Paris' ASEAN markets for its 2013 edition.


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La Velle E. Neal III has covered baseball for the Star Tribune since 1998 (the post-Knoblauch era). Born and raised in Chicago, he grew up following the White Sox and hating the Cubs. He attended both the University of Illinois and Illinois-Chicago and began his baseball writing career at the Kansas City Star. He can be heard occasionally on KFAN radio, lending his great baseball mind to Paul Allen and other hosts. Mark Rosen borrows him occasionally for WCCO-TV.
The Twins have made a roster move.
The Twins, after Thursday's game, optioned outfielder Matt Carson to Class AAA Rochester.
If Scott Diamond doesn't throw at Josh Hamilton's head, no one gets ejected.
The Twins had every right to implement street justice in the third inning after Roy Oswalt hit Joe Mauer above his No. 7 with a 3-0 pitch. A 3-0 pitch! How does that get away from a command pitcher like Oswalt?
Oswalt's quotes after the game were entertaining.
"For some reason, I can't keep the ball true on the left side," he said. "He's been beating me away, away, away. I was trying to get him out in and just dropped my elbow. I don't know the reason why the ball is coming back on the left side of the plate. I can keep it true on the right side. The left side I can't really keep it true and I dropped my elbow and it kind of sailed on me."
(Reporter's observation: Nothing sailed on Justin Morneau, Ryan Doumit, Denard Span or Ben Revere.)
Back to Diamond. His pitch to Hamilton can't be around his head. If he hits Hamilton on the thigh, I bet that Bell issues warnings and not ejections. Diamond wasn't trying to hurt Hamilton, but he sure was sticking up for Mauer.
"That's what the umpires are there for, to monitor all that and just be the guardian over the game," Diamond said. "It's a little frustrating to get the hook that quick but it kind of got away from me."
Doesn't matter. Mauer probably is buying Diamond his favorite beverage tonight.
Vikings face interesting offseason
The Vikings could have created a different impression if they had finished the season...
Gleeman and the Geek, Ep 175: Ranking Rotations and Buying Bars
Aaron and John talk evaluate the offseason moves in comparison to the rest of...
Vikings' defense flops in loss
Zimmer was right: Not top 10
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Friends react to shootings
Shanta Moore, 36, talks about the Marquette Park bungalow shooting victims outside Advocate Christ Medical Center. A woman and three children were found shot to death this morning in the bedrooms of a Marquette Park bungalow, part of a crime scene police described as "incomprehensible." Two... Zbigniew Bzdak, Chicago Tribune


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A confidential survey of workers on the Deepwater Horizon in the weeks before the oil rig exploded showed that many of them were concerned about safety practices and feared reprisals if they reported mistakes or other problems.
In the survey, commissioned by the rig's owner, Transocean, workers said that company plans were not carried out properly and that they "often saw unsafe behaviors on the rig." Some workers also voiced concerns about poor equipment reliability, "which they believed was as a result of drilling priorities taking precedence over planned maintenance," according to the survey, one of two Transocean reports obtained by The New York Times.
"At nine years old, Deepwater Horizon has never been in dry dock," one worker told investigators. "We can only work around so much."
More from Ken Silverstein:
From the November 2013 issue
Perspective — October 23, 2013, 8:00 am
How pro-oil Louisiana politicians have shaped American environmental policy
Postcard — October 16, 2013, 8:00 am
A trip to one of the properties at issue in Louisiana's oil-pollution lawsuits
Acres of hemp grown by "patriotic'" U.S. farmers in 1942 at the behest of the U.S. government:
Hemp for Victory, USDA Motion Picture Services Division (Washington)
A study suggested that the health effects of exposure to nuclear radiation at Chernobyl were no worse than ill health resulting from smoking and normal urban air pollution.
Greenpeace apologized after activists accidentally defaced the site of Peru's 2,000-year-old Nazca Lines when they unfurled cloth letters reading "time for change" near the ancient sand drawings. "We fully understand," the group wrote in a statement, "that this looks bad."
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Papa's Taco Mia!Comments89
807pages on
this wiki
this wiki
|Papa's Taco Mia!
|General Info
|Release Date:
|May 20, 2011
|Previous Game
|Steak and Jake: Midnight March
|Next Game
|Papa's Freezeria
|Previous Gameria
|Papa's Burgeria
|Next Gameria
|Papa's Freezeria
|Play the game
|Papa's Taco Mia!
Papa's Taco Mia! is the third gameria in the Papa Louie series released in 2011. You can choose either Mitch or Maggie as your worker and make delicious tacos for the people of Tacodale.
IntroOne day in Tacodale, Papa Louie opens his new taco shop and hosts a Taco Eating Contest. Mitch/Maggie camps out in front of the shop to be the first contestant. The other competitors are James and Kingsley. The contest starts and the three contestants must eat as many tacos as they can.
In the later afternoon hours, James gets a stomach-ache while eating a taco and gives up. In the evening, as Kingsley tries to eat his next taco, he begins to sweat and surrenders also. This means that Mitch/Maggie wins the contest and the trophy and is unexpectingly given the shop by Papa Louie.
GameplayIn this game the player makes tacos. You can unlock all the ingredients and upgrade your shop to increase style and speed and scores. The player must be quick on serving those new, picky Closers (Robby, Akari, Allan, Quinn, Rico, Xandra and Jojo) and show them your wild taco making skills. You can also earn up to 60 Badges while playing the game, unlocked for a variety of achievements including using certain toppings, getting high scores in each station, serving certain customers, as well as many, many more.
Taco Mia! Customers
- Tohru (Tutorial Customer)
- Franco (Tutorial Customer)
- Taylor (Random Customer)
- Wally (Random Customer)
- Rita (Random Customer)
- Sue (Random Customer)
- Vicky (Time Customer)
- Greg (Time Customer)
- Bruna Romano (Time Customer)
- Timm (Time Customer)
- Lisa (Time Customer)
- Zoe (Day 2)
- Big Pauly (Rank 2)
- Peggy (Rank 4)
- Nick (Rank 8)
- Kingsley(Rank 10)
- Georgito (Rank 12)
- Cletus (Rank 15)
- Mindy (Rank 16)
- Sarge Fan (Rank 17)
- Olga (Rank 18)
- Hugo (Rank 19)
- Edna (Rank 20)
- Matt (Rank 21)
- Cecila (Rank 22)
- Little Edoardo (Rank 23)
- Mary (Rank 24)
- Gino Romano (Rank 25)
- Kayla (Rank 26)
- Mitch/Maggie (Rank 27)
- Carlo Romano (Rank 28)
- Penny (Rank 29)
- Chuck (Rank 30)
- Sasha (Rank 31)
- Roy (Rank 32)
- Marty (Rank 33)
- Tony (Rank 34)
- Doan (Rank 35)
- Clover (Rank 36)
- Alberto (Rank 37)
- Mandi (Rank 38)
- Connor (Rank 39)
- Clair (Rank 40)
- Cooper (Rank 41)
- Prudence (Rank 42)
- James (Rank 43)
- Papa Louie (Unlocked when all Customers,Closers and Food Critic have earned the Gold Customer Award)
Customer Debuts
Bold customers are closers
Absent Customers
This is the second game where no one is absent, the first being Papa's Pizzeria.
All the Meats if the Taco Mia! debuts are unlocked.
- Beef (start) (Big Beef)
- Chicken (Day 2) (unlocked with Zoe) (Chicken Champ)
- Pork (Rank 8) (unlocked with Nick) (Carnitas)
- Steak (Rank 12) (unlocked with Georgito) (Steak House)
Taco Shells
- Tomatoes (start) (Tomato Time)
- Cheese (start) (Cheese Please)
- Lettuce (start) (Lettuce Lover)
- Pinto Beans (start) (Pinto Prize)
- Guacamole (start) (Guac Attack)
- Onions (start) (Onion Fun)
- White Rice (Rank 2 with Big Pauly) (Rice Wrangler)
- Jalapenos (Rank 5) (Some Like It Hot)
- Peppers (Rank 10 with Kingsley) (Fajita!)
- Black Beans (Rank 11) (Beans, Beans)
- Brown Rice (Rank 13) (Whole Grain)
- Mild Sauce (start) (Wild for Mild)
- Sour Cream (start) (Cool it Down)
- Hot Sauce (Rank 4 with Peggy) (Taco en Fuego)
- Nacho Cheese (Rank 6) (Cheese Whiz)
- Verde Sauce (Rank 9) (Go Green)
- Loco Mystery Sauce (Rank 14) (Solve the Mystery)
- Newbie ($100)
- Taco Trainee ($105)
- Tray Cleaner ($110)
- Cashier ($115)
- Part-Time Cook ($120)
- Ticket Handler ($125)
- Order Attendant ($130)
- Line Cook ($135)
- Taco Apprentice ($140)
- Hard Taco Pro ($145)
- Soft Taco Server ($150)
- Pita Pro ($155)
- Taco Filler ($160)
- Tomato Topper ($165)
- Cheese Champ ($170)
- Lettuce Lover ($175)
- Pinto Pro ($180)
- Onion Expert ($185)
- Guacamole Pro ($190)
- Rice Wrangler ($195)
- Jalapeno Master ($200)
- Pepper Fan ($205)
- Sauce Specialist ($210)
- Nacho Squeezer ($215)
- Brown Rice Boiler ($220)
- Black Beans Expert ($225)
- Verde Veteran ($230)
- Loco For Loco Sauce ($235)
- Beef Broiler ($240)
- Chicken Champ ($245)
- Pork Puller ($250)
- Steak Server ($255) 5,000 points till Rank 33.
- Master of Meats ($260)
- Expert Taco Builder ($265)
- Stove Top Champ ($270)
- Spatula Pro ($275)
- Knife Expert ($280)
- Grade A Griller ($285)
- Top Topper ($290)
- Part-Time Manager ($295)
- Taco Shop Manager ($300)
- Tex-Mex Legend ($305)
- Taco Mia! Master ($310)
- Better Than Papa ($315)
New Gameria features
New features that are introduced in this game, and will be used in future Gamerias, are:
- This gameria is the first to feature opening sequence hints. The customer cheering outside the shop will be the first customer, and the customer that pops out from the side of the building will be the second.
- When ordering and presenting, the background shows the outside of the shop, revealing whether it is day, dusk, or night.
- In-game badges that players can earn during gameplay are introduced.
- Closers and the Food Critic are introduced.
- The customers chart is remade.
- Pausing will show the player's day, rank, customer points, tips, and hats.
- Hats are introduced.
- Unlockable ingredients are introduced.
- Customers with higher badges will now order faster.
- Weekly Paydays are introduced.
- Many of the customers get a makeover or new accesories.
- Sometimes, the car that passes the shop at the start of the day is Roy's car.
- This is the first game that you need to interact with the food by using an item (spatula and knife) and not clicking on it.
- This game has 7 order spaces, 5 is building spaces.
- The sign on the apartment behind the shop will be an ad. For example: Cletus' Scrapyard, Romano Family Quartet, Quinn, Timm and Associates (now Just Quinn and Associates), Kingsley's Comedy, or Jojo's Blue Ribbon Dining
- This game and Papa's Burgeria are the only games that have three stations.
- This game and Freezeria are the only gamerias to have their mini-games changed three times.
- This is the first gameria where you would see a "Perfect!" word when you get 100% in all stations.
- The customers in this game seem to be less patient than other games, even when your shop is more upgraded.
- The poster for this restaurant appears in all future games. In Freezeria, you can buy it at the Upgrade Shop, but from Pancakeria onward, it's a prize in one of Foodini's mini-games.
- Often it will show the second customer at the start of the day behind the Taco Mia or crissing the road out of the screen, but sometimes it will not.
- This is the second game, the first being Cactus McCoy, to have the modern Flipline opening sequence and menu layout.
- All of the previous workers make a cameo in the intro (look at the side of the building, and you'll see Roy, Marty, and Rita).
- This is the only gameria in which a chef is an unlockable (e.g. for example if you select Mitch,then Maggie will be unlocked on a high rank).
- This is the 1st and the only gameria in which the first closer is not local, but the local closers are closers in other gamerias.
- This is the first gameria that introduces closers and badges.
- This is the last gameria in which the decorations you buy are placed on random areas.
- This is the only gameria where it is a contest in the introduction to see who the chef is.
- On April 1st, 2014 Matt and Tony made an April Fools Day joke that there would be a real Taco Mia restaurant in Cleveland, Ohio at Woodland and E. 55th street.
- This is the first and only gameria to be featured in an April Fool's Day joke.
- On April 15, 2014, there was a post mortem on the Flipline Blog. [1]
Minigames representing Taco Mia


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Mt. Calvary Baptist Church of Lanham
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Miss a Sunday or two? You can catch up with your tithing and Retire R2R commitments securely online using your credit/debit card or PayPal. Mt. Calvary thrives on the support of its members. Weekly tithes help support ongoing ministries and community outreach programs. Many of you have asked for an easier way to give your first fruits. So we're please to be able to provide this service for you. Click the button below to get started. We thank you for your generosity.
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Developing an Effective Strength Training Program, by Dr. Raymond Tucker The key for athletic success begins in the weight room. Studies have shown ...Read More »
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Giant Sets. What are giant sets? A giant set is a series of exercises performed back to back with little to no rest ...Read More »


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Food Storage Friday- Garden Monday- This and That Post!
Wow, its been a crazy busy week, filled to the brim with great things but by the time I get done, I am crashing into bed and sleeping the dead LOL While this is offically a Food Storage Friday, its … Continue reading
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The Big Bad Boys!- Managing Aggression in your Bird Flocks.
Be it Gander, Tom, Rooster, or Drake, there is nothing quite as alarming as when your big boys turn on you and attack, what was a nice trip outside to the garden, or a pen cleaning or even a feeding … Continue reading
Posted in Critters Tagged Chickens, Ducks, Farm Life, freezer camp, geese 2 Comments
Mini-Challange-Kicked Day 2
Well today was another cold wet and raining day but my apple mint is still green and going on Dec 6th!. I did get a break in the afternoon just long enough to scoot out and get some of the year old … Continue reading
Posted in Life moves on daily Tagged Canning, Chores, compost, freezer camp, Garden 4 Comments
A Swift Kick in the….
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By-product of Duck Butchering-Down and Small Feathers-Part One
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Duck Breakfast Sausage Patties or Meatball Recipe
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Duck, Duck, Goose..
Nope, just duck! Lots and Lots of duck LOL Hold on fellew bloggers and my wonderful readers, the coming next series of post are all about how to butcher out your duck and then take all those parts and process … Continue reading
Posted in Critters Tagged 100 mile food challange, Canning, Charcuterie, Ducks, freezer camp 4 Comments


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Just arrived, an excellent example of the highly desired C/K5 Blazer. Purchased new by Thomas Mullinax or Marietta, Georgia August 22, 1987. It was sold in... More
1987 Chevrolet Monte Carlo SS coupe, with factory optional T-tops. As of this writing, the car has not quite 26,500 miles since 1987. The car... More
If you've been hunting for the right Grand National to stash away in your collection this 1987 GN might be the smart choice. With... More
With ultra-low mileage this 1987 Buick Grand National is already something special. But there's something else unique about it: it's 100% stock. Falling solidly... More
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Up for sale in our Louisville showroom is this stunning 1987 Monte Carlo SS Aerocoupe. With only 6052 Super Sport Monte Carlo Aero Coupes... More
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Exotic Motors Midwest is pleased to offer this 1987 Ferrari 328 GTS, finished in Rosso Corsa over Beige Leather interior! This 328 GTS... More
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1987 Toyota Supra1987 Toyota Supra Turbo model in mint conditionEquipped with a 230 horsepower 3.0 Liter 6-Cylinder Twin Cam 24-Valve and a 5-Speed Manual... More


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Peer Tutoring
Spring 2015 Peer Tutoring Schedule
will be posted in January!
UT Dallas strongly supports student-to-student teaching and learning initiatives within The Student Success Center.
The UT Dallas Student Success Center offers free peer tutoring to all currently enrolled UTD students. Tutoring assistance is offered for many of the historically challenging subjects at UT Dallas, including Biochemistry, Biology, Organic Chemistry, General Chemistry, Physics, Neuroscience, Computer Science, and Mechanical Engineering.
Tutoring sessions are designed to meet students' individual questions and needs but the tutors do not provide direct answers for homework/exams. The Peer Tutors are undergraduate students who have excelled in the course in which they tutor and have been trained to facilitate discussions on course content, as well as study habits.
Tutoring sessions are held in McDermott Library (MC) 1.312 and Residence Hall Northwest (RHNW) 4.003 and are available by appointment and drop-in.
Please see schedules below for the times and locations of the tutors in your subject(s).
Spring 2015 Tutoring Schedule coming soon
- We offer tutoring for the following Biochemistry courses:
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- We offer tutoring for the following Biology/Genetics courses:
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Sept. 30 (Bloomberg) -- Christine Lagarde, managing director of the International Monetary Fund, European Central Bank President Jean-Claude Trichet will hold talks on the euro and other currencies with Chancellor Angela Merkel in Berlin on Oct. 6, the German government press office said today at a press conference.
The meeting will also be attended by World Bank President Robert Zoellick and Angel Gurria, secretary general of the Organization for Economic Cooperation and Development.
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Church of Christ set VBS schedule
Church of Christ of Ennis will have it's annual Vacation Bible School from 6:30-8:30 p.m. July 28-30 at the church. This year's coordinator is Diana Freeman. The theme is Agency 3D: Discover, Decide, Defend. Students will discover, decide and defend who Jesus really is by investigating the Old Testament and New Testament fulfilled. Call 972-875-7484 for more information.


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Currently you can buy Paula's Choice products directly from this site and a few top-rated products from other brands are available via links to affiliate websites. We review and recommend products from other brands because we are dedicated to helping you find the best products for your skin, whether they're from Paula's Choice or other lines.
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This citrus-scented mattifying product is supposed to absorb "excess grease" immediately and keep shine under control all day. It does set to a matte finish that takes down shine, but the effect doesn't last long. That's because caprylic/capric triglyceride is the second ingredient in Instant Fix, and it's moisturizing, not absorbent. The formula does contain absorbent ingredient silica, but it's competing with several moisturizing ingredients—talk about an unfair fight!
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There really is an Anthony behind the Anthony Logistics brand—Anthony Sosnick, who began this men's line in 2000. In some ways, the brand opened up a whole new world of skin care for guys, because it went beyond the soap/shave/aftershave routine that for years was the only widespread option for men's grooming.
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For more information about Anthony Logistics, call (866) 268-4669 or visit anthony.com.
Paula Begoun is the best-selling author of 20 books on skin care and makeup. She is known worldwide as the Cosmetics Cop and creator of Paula's Choice. Paula's expertise has led to hundreds of appearances on national and international television including:
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Pat Skorkowsky
White House Effort Comes To Las Vegas
"My Brother's Keeper" designed to push boys and young men of color toward success.
CCSD Superintendent Vows "Pledge of Achievement"
Clark County School District Superintendent Pat Skorkowsky delivered his first State of the District address Monday morning at Del Sol High School.
Jeb Bush Tours Las Vegas School
Former Florida Gov. Jeb Bush is visiting Las Vegas to tour one of the top-rated public schools in the state and talk with Nevada leaders about the growth of digital learning.
School District Tackles Bullying
The nation's fifth-largest school district has created a anti-bullying task force.
More Schools To Go 'Year-Round'
Ten elementary schools are set for a year-round calendar in 2014-15
School Board Approves Skorkowsky's Contract
Newly-appointed Clark County School superintendent Pat Skorkowsky will get the same pay as his predecessor.
CCSD Offers Students Chance To Move Ahead
The Clark County School District (CCSD) will begin offering summer school instruction today Taking classes during the summer provides middle and high school students with the opportunity to make up missed credits through "credit retrieval" or move […]
Live And Local With Kevin Wall 05/23/13: Clark County School District, Illegal Immigrants, And The Gripe Line
The search for a new Clark County school superintendent is over.
Superintendent Skorkowsky Speaks Of Style
New Clark County District Superintendent Pat Skorkowsky is determined to work out of the office.
Live And Local With Kevin Wall 05/22/13: College Grads, The Clark County School District, And Transparent Nevada
The UNLV Class of 2013 just had their graduation ceremony over the weekend.


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Mobile Site You Are Here > PFR Home > Players > N > Earl Nolan > News Archive
News: s-r blog:2015 First Round Picks Up
Michael Earl Nolan
Position: T
Height: 6-1 Weight: 205 lbs.
Born: March 8, 1914 in KS
Died: March 23, 1981 in Long Beach, CA
High School: TucsonCollege: Arizona (school history)
Weighted Career AV (100-95-...): 0 (14418th overall since 1950)
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What You'll See in a J.J. Abrams Show
On the occasion of Alcatraz's premiere, a guide to all that seems familiar about the producer's latest venture. And not just because Jorge Garcia is in it.
By Eric Gillin
The Music of Michael Giacchino
If you could somehow turn alley cats and tiny drums into orchestral instruments, you'd get the eerie scores for which Giacchino is best known. He's worked on virtually everything J.J. Abrams has produced (yes, even Felicity), and he's especially good at those tinkly-dinkly percussion bits before something happens — and the epic yowl when it finally does.
Jay West/Getty Images


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If you can't breastfeed your child because of a health condition or other circumstances, you will need to give your baby infant formula. Formula has the nutrients for good health, and should be the main source of nutrition if your child is younger than 1 year, says the American Academy of Family Physicians. Use a reputable formula brand approved by the FDA.
Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association.
® Registered Marks of the Blue Cross and Blue Shield Association.
®´ Registered Mark of Blue Cross and Blue Shield of Massachusetts, Inc., and Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc.
Landmark Center, 401 Park Drive, Boston, MA 02215-3326 | 800-262-BLUE (2583)


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adidas Celtics NBA 13 Playbook Hoodie
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Slowly we have all been learning how terrifying Ebola is, and how unprepared many of our hospitals are to combat it
Authorities in West Africa are struggling to contain the spread of Ebola, one of the world's most lethal diseases. Now it's spread to the continent's most populous nation and shows no signs of abating.
The barbaric "cutting" of millions of African women produces a huge toll in death and misery. Yet discussing it is taboo
Since the UN lifted a ban on logging in Liberia, 60% of its rainforest has been granted to private logging companies under Nobel winner Ellen Johnson Sirleaf.


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On Dreams and DreamingPenguin Books Ltd 2011; Not Available
Mapping the uncharted territory at the edges of psychological knowledge, these fascinating essays explore compelling aspects of dreams and dreaming. They discuss topics as diverse as memorable dreams, lucid dreaming, the role of dreams in the evolution of human consciousness and the relationship between dreams and the waking state. In ?The Dream and... more...
Seriously StrangePenguin Books Ltd 2012; Not Available
Despite being sullied by frauds and dismissed by sceptics, the paranormal has exerted a strange fascination over humankind for centuries. In Seriously strange, a group of nine intellectuals come together to shed light on some of the most baffling experiences on record - psychical experiences. Through these illuminating essays, they tell us how such... more...
Indian IdentityPenguin Books Ltd 2007; Not Available
As A Commentator On The Worlds Of Love And Hate , India S Foremost Psychoanalyst Sudhir Kakar Has Isolated The Ambivalence, Peculiarly Indian, To Matters As Various And Connected As Sex, Spirituality And Communal Passions. In Intimate Relations, The First Of The Well-Known Books In This Edition, He Explores The Nature Of Sexuality In India, Its Politics... more...
EcstasyOverlook 2003; US$ 12.99
Sudhir Kakar, a renowned psychoanalyst and the author of the acclaimed The Ascetic of Desire , brings a penetrating understanding of philosophy, religion, and the human psyche to his evocative second novel, Ecstasy . Ram Das Baba, as his devotees call him, is the son of a devout Brahmin family. He spends a lifetime seeking spiritual knowledge and... more...
Young TagorePenguin Books Ltd 2014; Not Available
A seamless blend of intelligent analysis with real empathy, Young Tagore is a firstofitskind psychobiography that deepens our understanding of Rabindranath Tagore. By carefully reconstructing the crucial years of Tagore?s childhood and youth, preeminent psychoanalyst Sudhir Kakar examines the young prodigy?s formative experiences and unravels how they... more...
The Analyst and the MysticPenguin Books Ltd 2007; Not Available
The Centrepiece Of The Analyst And The Mystic Is The Absorbing Story Of The Nineteenth-Century Bengali Mystic And Hindu Saint Sri Ramakrishna. Using Ramakrishna S Life As A Case Study, Sudhir Kakar Discusses In Depth Three Interacting Factors That He Feels May Be Essential In The Making Of An Ecstatic Mystic: Particular Life Historical Experiences,... more...
Intimate RelationsPenguin Books Ltd 2000; Not Available
Plumbing the hearts of women and men in India and exploring the relations they engage in, Sudhir Kakar gives us the first full-length study of Indian sexuality. His groundbreaking work explores India's sexual fantasies and ideals, the "unlit stage of desire where so much of our inner theater takes place." Kakar's sources are primarily textual, celebrating... more...
Death and DyingPenguin Books Ltd 2014; Not Available
Billions have died in the thousands of years since human beings first developed language, but we do not have a single credible account of the subjective experience of dying and the afterlife. This is why death continues to be an immense mystery and a subject of eternal fascination. In Death and Dying, scholars and intellectuals illumine the major... more...
Shamans, Mystics, and DoctorsKnopf Doubleday Publishing Group 2013; US$ 27.50
Shamans, Mystics and Doctors is a detailed and thoroughly fascinating account of the many ways in which the ancient healing traditions of India?embodied in the rituals of shamans, the teachings of gurus and the precepts of the school of medicine known as Ayurveda?diagnose and treat emotional disorder. ����������� Drawing on three years of intensive... more...
The IndiansPenguin Books Ltd 2009; Not Available
In this bold, illuminating and superbly readable study, India?s foremost psychoanalyst and cultural commentator Sudhir Kakar and anthropologist Katharina Kakar investigate the nature of ?Indian-ness?. What makes an Indian recognizably so to the rest of the world, and, more importantly, to his or her fellow Indians? For, as the authors point out, despite... more...


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Woman I am
I am highly qualified, I am paid less
I am outspoken, I am stiffened
You assume I am unable to negotiate
I am raped, mutilated, and breast ironed
Unappreciated, underestimated, untapped.
How could one biological organ
Start a war of depression and deceit
How could A VAGINA!
Yes, the VAGINA!
Set boundaries
Set limits
Why should I be sort different?
It was no choice of mine.
Am I not capable of skills?
Of great dexterity, to build and break
Am I not leader enough?
To shape and mold my world
Are not my skills far beyond the kitchen
The bedroom, the house at large?
Never underestimate the power of my pen
The power of my voice
The worth of my thoughts
It brings freedom to souls and awakens the cold hearts of men.
A vagina is an organ given at birth
But woman is what I am
Educate me and I will lead
I will feed a village
I will change lives
Because I found Pulse
The heart beat that will pump my voice through out
The world, not only for me but for her.
Thank you for sharing your
Thank you for sharing your powerful poem.
Hey, I am glad you have the
Hey, I am glad you have the courage to include the V-word in your poem! This piece is quite delightful. Write some more!
libudsuroy/Lina Sagaral Reyes
Mindanao, The Philippines
''Every Day is a Journey and the Journey itself is Home.'' (Matsuo Basho)
Sorry :) I just had to put that as the subject :) Too many people are afraid to state the obvious and to question the 'norm' - I enjoyed the poem!
Keep writing :) I'll try to keep reading :D
Thanks for sharing this
Thanks for sharing this engaging poem. Totally loved it, continue to speak out poetically.
I love this poem...It is time
I love this poem...It is time even for us women to accept that we are good enough as women.Am so happy for you and your boldness. Never mince words when telling the truth.
Catherine Sakala
Entomologist and Parasitologist- Zambia
Beautiful writing!
That was a very bold, inspirational, and beautiful poem. You sound like such a strong woman with such determination. I love when you say, "Never underestimate the power of my pen
The power of my voice
The worth of my thoughts
It brings freedom to souls and awakens the cold hearts of men."
I would love to save a copy of your poem and frame it if that is ok with you. You are an amazing person with so many skills and limitless opportunities. You go girl!! I wish you the very best in the future and hope to hear more from you.


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Monday, December 19th, 2005
Good news! A simple can of WD-40 has eliminated many of our door-related problems. Last night my sister stayed with us, and that inspired us to get rid of the squeeeeaaaking problem with the guest bedroom door (and others). Ha! Who knew the solution was so straightforward?
Sadly, even WD-40 couldn't make the door shut properly. My sister spent the whole night hearing the cats' attempts – often successful – to open it, then feeling the arctic blast from the hall creep into her warm room. Once inside, Alistair curled up with her on the bed but Holy Terror Henry spent the whole night knocking things over. Even putting a heavy box in front of the door didn't stop them, so finally she gave up.
This is the very reason our little monsters don't get to sleep with us anymore. I love snuggling with them, but I love my sleep more. Sleep is my friend.
Sleep is my sister's friend, too. No wonder she doesn't spend the night often. :)
P.S. We saw King Kong and The Family Stone this weekend. I recommend both, particularly King Kong. But don't get the large drink – it's a looong movie and you won't want to miss anything to run to the bathroom.


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But the vast majority of adoptees are 'doing fine,' researcher says
MONDAY, May 5 (HealthDay News) -- A small proportion of adopted American teens appear to be at heightened risk for different emotional and behavioral problems than their non-adopted counterparts.
But that risk is moderate, emphasized the authors of a study in the May issue of Archives of Pediatrics & Adolescent Medicine.
"Most adoptees are doing fine," said Margaret Keyes, lead author of the study and research psychologist at the Minnesota Center for Twin and Family Research at the University of Minnesota in Minneapolis. Still, new data on the long-term health of adopted children is always useful, she reasoned.
"When you have all the information, you're better prepared to make decisions for your family," Keyes said. "You have information that your adopted child might be at a slightly increased risk, so you can be aware of that and can you use the social services agencies with which you already familiar through the process of adopting."
"There is no revelation here. This is consistent with previous research," added Adam Pertman, executive director of the Evan B. Donaldson Adoption Institute and author of Adoption Nation. "It's a good, solid piece of work. Adoptive parents can be reassured that their kids will be just fine, thank you. We do need to do a better job of learning how to deal with children and be prepared in case we are in that minority whose kids are represented in this study. It's not scary. It's cautionary."
According to background information in the article, some 120,000 children are adopted annually in the United States, and there are about 1.5 million adopted American children under the age of 18.
International adoptions are increasingly replacing domestic adoptions, with about 40,000 children transferred between more than 100 countries each year as a result of adoption.
|Copyright©2008 ScoutNews,LLC.
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Related Products
Best Service has announced that three of its virtual instruments, Titan, Synth-Werk and Drums Overkill, have been drastically reduced in price from around €250 to €149 / $159.
- Titan offers 5,500 multi-samples of the best sounds from 200 classic Analog Synthesizers and Modular Systems, including the biggest and most famous Digital Synths and Workstations of the 80s and 90s, and from the newest virtual instruments and current synths, all in one massive plug-in.
- Synth-Werk is a general purpose sampled virtual instrument that offers a wide variety of sounds and musical styles.
- Drums Overkill includes more than 27,000 drum & percussion sounds: 10,000 samples assigned to 1,200 drum kits for all musical styles, 5,400 original drum machine samples, 3,800 bass drums, 4,100 snare drums & rim shots, 750 claps & snaps, 480 toms, 1600 hi-hats, 300 cymbals, 670 analogue synth drums & electronic percussion, 340 mixed special effects and 1500 percussion instruments from around the world.
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18 Dec 2014 #KVRDeal (until Tuesday, January 6, 2015) 2 for 1 Best Service and more offer16 Oct 2014 #KVRDeal Expired Best Service Fire Sale: Xsample Chamber Ensemble 70% Off22 Sep 2014 #KVRDeal Expired Best Service Offer: Poetic Guitar II Fire-Sale – limited stock at half the original price01 Sep 2014 Best Service releases Mystica Female Chamber Choir by Eduardo Tarilonte for Kontakt Player28 Aug 2014 #KVRDeal Expired Best Service Payday Weekend Offer: 20% Off Selected Virtual Synthesizers13 Aug 2014 #KVRDeal Expired Best Service launches Liquid Notes 96 Hour Flash Sale24 Jul 2014 #KVRDeal Expired Best Service offers 30 and 100 Euro Summer Bonus Vouchers11 Jun 2014 Best Service updates "Era Medieval Legends" by Eduardo Tarilonte to v1.111 Jun 2014 #KVRDeal Expired Best Service Eduardo Tarilonte "Era Medieval Legends" 24 hour Flash Sale - 25% Off25 Mar 2014 Best Service releases Altus - Solo Vocal Library Featuring Countertenor José Hernández Pastor14 Feb 2014 Best Service releases Eduardo Tarilonte's "Cantus - Gregorian Chants" for Kontakt Player24 Jan 2014 Best Service announces Eduardo Tarilonte's "Cantus - Gregorian Chants" and "Altus - The Voice of Renaissance" and "Chris Hein Winds Complete Vol. 1-4"13 Jan 2014 Best Service extends 2for1 Sale27 Dec 2013 Best Service updates their Website05 Nov 2013 Best Service Engine 2.2 Release Candidate Now Available08 Oct 2013 Best Service releases "Shevannai - Voice of Elves" by Eduardo Tarilonte for Kontakt Player & Kontakt05 Aug 2013 Best Service releases 4 Bundles: Cinematic Pack, Ethno Pack, Session Pack and Synth Pack16 Jul 2013 Best Service releases Peter Siedlaczek "Complete Orchestral Collection" for Kontakt Player & Kontakt10 May 2013 Best Service updates Engine to v2.1.107 Feb 2013 Best Service releases "Forest Kingdom II" sample library
29 Mar 2010 Yellow Tools updates Independence to v2.5.3 and Engine to v1.0.3 (+announces 30% Discount Special Offer)20 Oct 2009 Yellow Tools updates Independence, Freedom and Origami to v2.5.2 and Engine to v1.0.2 (all incl. x64 versions); extends E-License support04 Aug 2009 Yellow Tools updates Independence Pro Software Suite, Independence Free, Freedom and Origami to v2.5.1 (+Titan fix for Windows)09 Jul 2009 Yellow Tools releases 'Independence Pro v2.5 Software Suite' and 'Halls Of Fame - Origami Edition'


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Member since Jan 2010
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Reviewed Aunt Peggy's Sweet Potato Souffle
Dec 18, 2010 in Food Network Community Toolbox on FoodNetwork.com
"5 stars......thanks for making me a "star" at the family thanksgiving table! That souffle is a delicious forkful of yummy goodness, bite after bite. Its very very easy to make, I substituted candied nuts, which sweetened the pot just a little. If you want food that satisfies an entire crowd, trust Paula. Im doing her christmas ham and I can't..."


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Service in Progress
A sign requests that visitors remain quiet stood in front of the congregation area of Memorial Church on Monday evening during the 105th Annual Christmas Carol Service.
Singing Along
From left, MJ Richardson '17, Chloe B. Do '15, Karen-Alexandra Nogues '18, and Sarah C. Angell '18 sing along during the 105th Annual Christmas Carol Service in Memorial Church on Monday evening.
Reading Along
MJ Richardson '17 reads along during the 105th Annual Christmas Carol Service on Monday evening in Memorial Church.
Conducting from Above
Memorial Church Choirmaster Edward E. Jones conducts the Harvard University Choir during the 105th Annual Christmas Carol Service on Monday evening.
Listening to the Service
Attendees of all ages gathered in the pews, crowded in the aisles, and stood at the back of Memorial Church as the Harvard University Choir alternated between carols, hymns, and psalms read by community members during the 105th Annual Christmas Carol Service on Monday evening.
Filling the Pews
Attendees of all ages gather in Memorial Church for the 105th Annual Christmas Carol Service on Monday evening. According to the event program, the liturgy has remained largely the same as when the carol service began in 1910.
The World as Explained by Top 40 Hits
"Pop is insipid," they said. "The Top 40 has no soul," they said. "These lyrics don't even mean anything," they said. Well, they were wrong. Incoming Theater Exec Lien Le lists the top current events of 2014 paired with the best Top 40 hits written about them.
Top 10 Albums of 2014
From Lana Del Ray to Taylor Swift to Mac DeMarco, the Arts Board picks the year's best records.
The Arts 2014 Year in Review Survey Results
Check out the crunched data of the results of the 2014 Arts Year in Review poll, with links to relevant reviews and articles.
Singing in the Square
Bart Caruso plays The Beatles' "Here Comes the Sun" in Winthrop Square on Sunday afternoon. Caruso has been playing music in Harvard Square for ten years.
Hear Me Out: Beyoncé, '7/11'
With the Platinum Edition reissue of the 2013 bombshell "Beyoncé," Queen Bey has released a new single that is simultaneously disarming and calculated.