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Posts Tagged 'cash value life insurance'
ING To Review "Strategic Options" For U.S. Ops; May Shift Annuity Book
By ALLISON BELL
Published 4/9/2009, National Underwriter"ING Groep N.V. wants to reduce the scope of its U.S. operations 'over time and as market conditions permit'…"
This post recounts an email exchange with a credentialed financial advisor. The content has not been modified but the name has been changed and the credentials eliminated to avoid implying that there is any relation between one advisors opinion and the position that might be taken by the credentialing body.
Thanks for your comments.
Although they do not open a discussion but rather, close the door on dialogue, I am responding in detail. [As you will likely recognize, Stephen's mind was made up before there was a chance to respond.]
Stephen The Stepford Advisor wrote:
"YouBeTheBank site recommends that individual purchase life insurance policies to accumulate funds which are then used to fund future activities."
Specifically we recommend that clients purchase permanent cash value life insurance. We recommend further that they choose dividend paying policies from mutual companies. Please, take the time to read further in the blog and you'll discover that we justify this approach in some detail. Better yet, order copies of Money for Life! How to Thrive in Good Times and Bad by Jeffrey Reeves [that's me] and Becoming Your Own Banker by R. Nelson Nash. You'll discover the amazing power of this approach, as many other credentialed advisors have done.
Stephen The Stepford Advisor wrote:
"It fails to mention that the costs of owning the policies will be substantail,(sic)"
There are – of course – costs. Substantial? You might want to define that for yourself first and for your practice second. Many advisors find the approach not only helpful but essential to their practice and do not see the costs as either substantial or burdensome.
There is another aspect of this that you may want to consider. There are many different forms of permanent cash value life insurance available in the marketplace. Some carry a heavy cost burden while others do not. If you don't know which policy is being used you do not know whether or not the cost is "substantial". Whole life policies from mutual companies tend to be less costly. Universal lifepolicies tend to be more costly – especially when they are improperly funded. Term insurance policies tend to be the most expensive.
Stephen The Stepford Advisor wrote:
"as will the restrictions on the availablity(sic) of cash."
Again, Stephen, you may not have all of the information you need. My clients can access all of the cash in their policies whenever they want it. There is a bit of a lag – a day or two for processing and mail time – since the request must be made through the insurer. Immediate needs are satisfied with overnight delivery. This is not uncommon for mutual companies that are responsible only to their policy owners and not to shareholders or other outsiders.
Stephen The Stepford Advisor wrote:
"The accumulation of funds should never be done with life insurance as the primary choice."
My Grandpa told me to "never say never and always avoid always." Your statement is a shibboleth – an oft repeated mantra that contains no truth but that has been repeated so many times that people assume it must be true. In 1492 the world was thought to be flat.
To a thinking person who truly explores this approach to creating and managing a personal economy, the opposite is true. Whole ife insurance belongs in the foundation of every personal economy. That was the opinion of most financial planners prior to the advent of EF Hutton creating UL, A. L. Williams brainwashing amateurs, and Wall Street's merchants of misinformation misleading America into the mutual fund swamp beginning in the 1980's.
For over 150 years, and still today, dividend paying whole life insurance has been and is the single best place to put the money you use as a foundation for your personal economy and wealth building system.
Stephen The Stepford Advisor wrote:
"Individuals who truly fear banks should buy treasury securities instead. There are no costs as a practical matter."
Nowhere in our blog or our book do we state or imply that you should fear banks. In fact, the practices of Money for Life are based on the banking model. Treasuries, like all investments, are for the limited few who have already established a foundation. In addition, there are always (sorry Grandpa) costs. Most commonly ignored by Stepford Advisors is lost opportunity cost.
Stephen The Stepford Advisor wrote:
"Yet the fact is, if the bank is insured via FDIC, then for all practical purposes, the initial $100,00 is not at risk."
True. FDIC insures up to $100,000.00 per account. But, again, we never suggested that money in banks is at risk. Also, are you aware that the 50 state insurance guarantee funds typically insure about $250,000.00 per policy? Are you aware that no whole life policy holder in the history of the insurance industry in the US has ever lost even one dollar of their guaranteed values? Banks can make no such claim. Mutual funds fail this test. Stepford Advisors run and hide.
Stephen The Stepford Advisor wrote:
"Almost no one needs that amount of money to fund future plans."
Of all your comments, Stephen, this is the one that challenges me the least. I've been serving clients for over 35 years. During that time every one of those clients encountered a financial need so great that they had to invade their retirement accounts…every one of them. Here are a few situations that demand even larger amounts of secure money.
Fidelity Funds reports annually on the unfunded medical expense needs of a couple that will retire in that year. In 2007 that was $207,000.00. That's the out-of-pocket after insurance payments have been made.
Another fund company (Vanguard, I believe) projects the long term care needs of retiring couples – for 2007 it was $350,000.00.
One of my best friends has two Down Syndrome children. I expect they'll continue to need that $100,000.00 almost every year.
Kyle was injured in a skiing accident and after months in a body cast, two years of physical therapy, and $125,000.00 in debt he is back to work. Seems each of these adds up to more than the $100,000.00 that "no one needs".
Stephen The Stepford Advisor wrote:
"You should reconsider your recommendation as it fails every reasonable test of jusgement.(sic)
Stephen, the recommendation and my judgment are just fine.
Moreover, the processes and practices that we talk about on YouBeTheBank.com and TheMoneyforLifeBook and blog are tried, tested and proven to produce results that are guaranteed – a word that Stepford Advisors are not allowed utter. "Guaranteed" is entirely legitimate in the context of dividend paying whole life insurance from mutual companies. I can assure you that "every reasonable test" of judgment supports what we teach and practice.
I can further assure you that the advisors who apply these practices in their planning help more people than those who don't. One of our understudies (a former Sr. VP with a major, well known international brokerage with a large ad budget) proposed his first case last week to a very sophisticated investment client and it passed "every reasonable test" of judgment for all parties – advisor, client, attorney, accountant and family. Imagine that.
Stephen, I want to end with a word of thanks, again. My mission is to educate and inform. Your comments give me that opportunity. I urge you to learn more than you know, earn more than you imagine possible, and begin to question the shibboleths.
Bad advice like that which appears below in the excerpt from the article 15 Insurance Policies You Don't Need by Lisa Smith on Investopedia is painful for those who truly understand the value, power, flexibility and versatility of cash value life insurance. The article claims that life insurance on children is not desirable.
Read R. Nelson Nash's article Jeanette's Banking System or The Education of Emily Elizabeth and you will understand that cash value life insurance purchased on children and grandchildren can be more powerful and a lot safer than the typical 529 Plan or Coverdale IRA, which are foolish gambles at best.
8. Life Insurance for Children
Life insurance is designed to provide a safety net for your heirs/dependents. Because children don't have heirs to worry about and, statistically speaking, most kids will grow up safe and healthy, most parents should not purchase life insurance for their kids. Instead, use the money that you would have spent on life insurance to fund an education plan or an individual retirement account (IRA). (To read more on saving money for your kids, see Investing In Your Child's Education, Teaching Your Child To Be Financially Savvy and Don't Forget The Kids: Save For Their Education And Retirement.)
Other items in this article make some sense. Discussions of cash value life insurance by pundits and feature article writers, however, generally lack in both accuracy and depth of understanding. Read the entire article here…


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Children's program
Target Family Reading Night: Halloween Howls
Children ages 4-8 with a caregiver are invited to join us Wednesday, October 30 from 7:00-8:00 PM for a spook-tacular evening. Hear a haunting tale, make a craft, play a game, and make some monster mash. Be sure to wear your Halloween costume for the annual Halloween parade through the library. Registration begins September 25 at 9:00 AM. This program is funded by the Target Store Early Childhood Reading Grant and the Friends of the Canton Public Library.
Reading Assistance Dog Program
Kids and Tweens in grades K-6, improve your reading skills and make a new friend by reading aloud to a dog. Sign up begins at 6:25 PM and is on a first come, first served basis. Sessions are 10 minutes long.
Date: May 20, 6:30-8:30 PM
Date: May 20, 6:30-8:30 PM

subset: commoncrawl


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Editor's Note – A baffling trend is underway and many in the military believe they know why. As reported by the Blaze and Breitbart, many are expressing their disdain and theories but one cannot deny the fact that Obama is purging the military. Here is some more proof and a video. The Blaze said this a few days ago about nine more officers recently purged:
Nine senior commanding generals have been fired by the Obama administration this year, leading to speculation by active and retired members of the military that a purge of its commanders is underway.
Retired generals and current senior commanders that have spoken with TheBlaze say the administration is not only purging the military of commanders they don't agree with, but is striking fear in the hearts of those still serving.
The timing comes as the five branches of the U.S. armed forces are reducing staff due to budget cuts, and as U.S. troops are expected to withdraw from Afghanistan next year.
"I think they're using the opportunity of the shrinkage of the military to get rid of people that don't agree with them or not tow the party line. Remember, as (former White House chief of staff) Rahm Emanuel said, never waste a crisis," a senior retired general told TheBlaze on the condition of anonymity because he still provide services to the government and fears possible retribution. (Read the rest here.)
There are statutory limits on how many command and flag staff officers can be in the military's five branches at any given time so this kind of turn over really impacts the active officers' corps. "Toe the line, or goodbye" seems to be the new mantra. A quick look at Wikipedia on the subject shows the actual limits, but now, someone has had to be very busy on this subject alone to keep their site current.
Here at SUA, we are not perplexed because we saw the 'tea leaves' long ago, heard the grape vine talk, and reported on it repeatedly in recent years. MG Vallely, our Chairman at SUA and our friends, family and network are fuming. Obama is destroying our military in favor of "his military".
Please read on and look at the list, the video, and links below for proof:
From a post by Brandon Walker at FreePatriot.org
When we brought you the 9 Military Commanders it was apparent that President Obama was purging the military top brass. When two days later two more were fired, many reporters started trying to get to the bottom of what President Obama was doing with what he called "my military". Now what was a noticeable purge of commanders is now topped 197 since 2009!
While the top listed reason is sex, there seems to be several questionable reasons why these guys are being fired. From dereliction of duty to not saluting properly. The list continues to grow.
Never forget what he let out in a Freudian slip. He said it three times in September that we can find:
From Breitbart.com Facebook Page comes a long and detailed list with links!
There have been rather a lot, to say the least, of firings, demotions, relievings and disciplinings of hundreds of officers in our military under this present regime. The grounds range from "leaving blast doors on nukes open" to "loss of confidence in command ability" to "mishandling of funds" to "inappropriate relationships" to "gambling with counterfeit chips" to "inappropriate behavior" to "low morale in troops commanded" to you-name-it-you-got-it…and, now you're gonna' get it!
Listed below are some of the various commanders, vice-commanders, etc. who have been relieved, fired, forced into early retirement and otherwise let go of…or, gotten rid of…depending on how one chooses to interpret all this. Grand Total thus far: 197 (Mostly Colonel and above. 127 AF majors included…they all occurred at one time, apparently). Also, provided are 11 links to various articles about said officers and the various ends of their military careers.
This does not include any of the stories about the pressure or attacks, if you will, made on those of all ranks, high and low, done by this regime or their "agents" and based on religious grounds or their stances on traditional marriage or statements or actions that have been deemed offensive to Islam…beliefs held by many who have been persecuted, if not out-right prosecuted, for said religious and/or traditional belief stances.
This if offered not as proof of any attempt to purge our military of those deemed un-fit by this present regime. It is simply offered as a PARTIAL listing of what has happened so far under the present "C-i-C." Please note "PARTIAL." This writer does not claim this list is complete.
It remains to be seen if more "disciplinary actions" are taken or are warranted. I simply find myself asking, as the picture below asks:
What Is Happening to Our Military?! ~cj
Grand Total: 197 Officers
Year: 2013 (9, so far).
1. Marine Col. Daren Margolin – Quantico – Oct. 18, 2013. Was in charge of Quantico's Security Battalion.
2. Marine Major General C.M.M. Gurganus – Oct. 12, 2013. Commander Regional Command Southwest and I Marine Expeditionary Force (Forward) in Afghanistan.
3. AF Major Gen. Michael Carey – Oct. 8, 2013. 2-star commander of 20th Air Force. 3 wings of ICBMs. 450 nukes. Covered 3 AF bases across nation.
4. Navy Vice-Admiral Tim Guardina – Oct. 9, 2013. 3-star vice-commander all US nuclear forces (land/air/sea). Relieved of command. Demoted in rank to 2-stars.
5. Marine Major General Gregg A. Sturdevant – September 2013. Director of strategic planning and policy for U.S. Pacific Command and commander of the Aviation Wing At Camp Bastion, Afghanistan.
6. Marine Col. James Christmas – July 18, 2013. Commanded 22nd Marine Expeditionary Unit. Also, commanded the new Special-Purpose Marine Air-Ground Task Force Crisis Response Unit.
7. Army Brigadier General Bryan Roberts – May 2013. Commander, Ft. Jackson, SC.
8. Marine Gen. James Mattis – May 2013. Chief of CentCom.
9. Army Major General Ralph Baker – April 2013. Commander of Joint Task Force Horn of Africa at Camp Lemonnier in Djibouti, AfricaYear: 2012 (Overall total – 4 +24 = 28 Final total).
1. Marine General John R. Allen – Nov. 13, 2012. Commander, ISAF – International Security Assistance Force.
2. Army General David Petraeus – Nov. 9, 2012. Commander, International Security Assistance Force (ISAF) and Commander, U.S. Forces Afghanistan (USFOR-A). Director of CIA from September 2011 to November 2012.
3. Navy Rear Admiral Charles M. Gaouette – Oct. 27, 2102. Commander, USS John C. Stennis strike group. Relieved within a day or so of Benghazi.
4. Army General Carter F. Ham – Oct. 18, 2012. Commander, AFRICOM. Relieved during Benghazi from direct command of AFRICOM.Naval Officers (all in 2012): Total – 24
1. Cmdr. Derick Armstrong, Commander, guided missile destroyer USS The Sullivans.
2. Cmdr. Martin Arriola, Commander, USS Porter.
3. Capt. Antonio Cardoso, Commander, of Training Support Center San Diego.
4. Capt. James CoBell, Commander, Oceana Naval Air Station's Fleet Readiness Ctr. Mid-Atl.
5. Cmdr. Joseph E. Darlak, Commander, USS Vandegrift.
6. Cmdr. Franklin Fernandez, Commander, Naval Mobile Construction Battalion 24.
7. Cmdr. Ray Hartman, Commander, amphibious dock-landing ship Fort McHenry.
8. Cmdr. Jon Haydel, Commander, USS San Diego.
9. Cmdr. Diego Hernandez, Commander, ballistic-missile submarine USS Wyoming.
10. Cmdr. Lee Hoey, Commander, Navy Drug Screening Laboratory, San Diego.
11. Cmdr. Dennis Klein, Commander, submarine USS Columbia.
12. Capt. Marcia "Kim" Lyons, Commander, Naval Health Clinic New England.
13. Capt. Chuck Litchfield, Commander, USS Essex.
14. Capt. Robert Marin, Commander, USS Cowpens.
15. Capt. Sean McDonell, Commander, Seabee reserve unit Naval Mobile Const. Battalion 14.
16. Cmdr. Corrine Parker, Commander, Fleet Logistics Support Squadron 1.
17. Capt. Lisa Raimondo, Commander, Naval Health Clinic Patuxent River, Md.
18. Capt. Jeffrey Riedel, Program manager, Littoral Combat Ship program.
19. Cmdr. Sara Santoski, Commander, Helicopter Mine Countermeasures Squadron 15.
20. Cmdr. Sheryl Tannahill, Commander, Navy Operational Support Center Nashville.
21. Cmdr. Michael Ward, Commander, USS Pittsburgh.
22. Capt. Michael Wiegand, Commander, Southwest Regional Maintenance Center.
23. Capt. Ted Williams, Commander, Mount Whitney.
24. Cmdr. Jeffrey Wissel, Commander, of Fleet Air Reconnaissance Squadron 1.Year: 2011 Total – 1 + 157 = 158 overall
Army Major Gen. Peter Fuller – May 2011. A top U.S. commander in Afghanistan.
157 Air Force majors. Military advocates decry 'illegal' early terminations of 157 Air Force majors
Year: 2010 Total – 1 ( total)
1. Army Gen. Stanley McChrystal – June 2010. Overall commander Afghanistan. Replaced by Gen. Petraeus.
Year: 2009 Total – 1 (total)
Army Gen. David D. McKiernan – 2009. First 4-star relieved since Truman relieved MacArthur. Commanded in Afghanistan.~Breitbart Facebook Picture
- http://dailycaller.com/2011/11/25/military-advocates-decry-illegal-early-terminations-of-157-air-force-majors/#ixzz2iU6Zix8T
- http://www.nbcnews.com/id/37866754/ns/us_news-military/t/obama-relieves-mcchrystal-command/#.UmaXPlMwK5V
- http://www.politico.com/news/stories/1111/67653.html
- http://www.marinecorpstimes.com/article/20130718/CAREERS03/307180027/Commander-22nd-Marine-Expeditionary-Unit-relieved-command
- http://www.marinecorpstimes.com/article/20131018/CAREERS03/310280001/Colonel-charge-Quantico-s-Security-Battalion-relieved
- http://www.foxnews.com/us/2013/10/09/3-star-navy-admiral-fired-as-deputy-chief-nuclear-command-demoted-to-2-star
- http://www.foxnews.com/politics/2013/10/11/air-force-general-in-charge-nuclear-missiles-to-be-fired-officials-say/?intcmp=latestnews
- (http://www.stripes.com/news/navy/navy-commanders-relieved-of-duty-in-2012-1.168999
- http://www.stripes.com/news/uss-the-sullivans-armstrong-is-10th-commanding-officer-fired-this-year-1.176692
- http://www.marinecorpstimes.com/article/20131018/CAREERS03/310280001/Colonel-charge-Quantico-s-Security-Battalion-relieved
- http://www.foxnews.com/politics/2013/10/22/missteps-handling-nation-nuclear-arsenal/?
All the links and sources are verifiable. This is scary folks, what is going on?
Well SUA Admin, what seems to be a rhetorical question on your part hasn't left the rest of us in as much of a quandary as it has left you. All Dictators purge their society of all dissenters. The ignoranus in the White House (misspelling intended), thinks that he is now the Commander-in-Chief of the world army, also known as the United Nations, and he thinks he is going to force the issue of gun confiscation via troops loyal to him and to him only. Evidence suggests that he intends to subvert the original intent of the Constitution and the 2nd Amendment to take complete control of the country as the first American dictator, He is getting rid of all those who would disobey his tyrannical orders and replacing them with "Yes men,' greedy for a commanding role in a violent takeover of the United States. That will never happen if you consider that more guns and ammo were sold during the month of December 2008, than would be required to arm and provision the entire Indian Army. This is also a verifiable FACT. Does he and the liberal left really think those patriots are going to lay down those arms? Not on our watch is it going to happen! The states of Michigan and Wisconsin alone have more registered law-abiding gun owners in them than would be required to equal the number of the world's largest army. This number does NOT include all of the other legally registered gun owners in the country, which in and of themselves represent the largest army ever known to the human race, the American patriots.
I like what you say but I think food will be the weapon of choice to a large extent and also the more that fight back the more people die. And is that not what a number of these people would enjoy seeing the excess population killing each other off? Grabbing our guns and killing or being killed may very well be what these power seekers want.
I could not have said it better myself, and I am very adept at calling a spade a spade.
2010 in Bigfork, MT. I talked to a man who helped train the seals. He told me he got out because he didn't want to be told by "O" what to do and when. He also told me the seals would be used and in the news and many would be killed. Former seals I know also told me similar things before attending seals funerals. The snakes head will still live if chopped off.
The Resident in the Oval Office plans on declaring martial law. I believe there will be a false flag attack, orchestrated by Obama and his chief confidantes, which will serve as the excuse for the declaration of martial law. The Resident will then attempt to disarm the people of the United States forcibly. He will use the military to achieve this end. This is one of the reasons he is purging the military of patriotic Americans. He seeks a military which is loyal to him instead of to the Constitution.
BINGO BILL! Obomba (pun intended)has shown his true colors and I thought G W Bush was bad.
Two dictators that did the exact same thing before taking their thrones were Josef Stalin and Adolf Hitler. Both of these men single handedly caused tens of millions of deaths of innocent citizens, their own citizens. Obama is setting up the same exact game plan.
We have a foreign Muslim in the Oval Office folks and this does not bode well for a Christian Country.
Plain and simple, this President has lied about his birth, his intentions, and is, in my opinion, a narcissist psychopath.
Americans had better grow a backbone and fast or risk seeing you're sons and daughters shot and thrown in a ditch.
Every American over the age of 14 should have read two books by Naomi Wolf, "Give Me Liberty" and "The End of America."
You cannot say we all were not warned.
"Removing military Officers, especially Generals, is right out of Hitler's playbook, just like everything else the Andy Stern – Barack Obama – Main-Stream-Media Marxists are doing.
Kathleen Sebelius is Andy Stern's (SEIU) personal assistant. Barack Obama said during his campaign speeches that he is SEIU's "man in the White House"
Andy Stern is a committed devout Marxist bully who hates the United States and worships Mao Ze Dong! Andy Stern said during an interview that Obamacare makes him dictator of the United States and frees him to legally kill any American who cannot accept Marxism rule."
Sure get rid of any possible leadership for any kind of resistance movement, what have you got then?. A bunch of sheep working healter skelter without any knowledgable organizers. Well I think Obasshole underestimates the people who served with distinction to take the reigns and put up a more than adequate front to restore our constitution. The most important part is we should watch out for the few honest politicians who have the guts to restore a limited gov't. and put our CONSTITUTIONAL REPUBLIC BACK ON THE RIGHT PATH.
Obama is firing these top military commanders because he fears the very real possibility of a military coup to oust him and his Marxist/Islamist regime. Congress obviously lacks the testicular fortitude to impeach Obama for his many "high crimes and misdemeanors," so the military is our only hope short of an armed insurrection by the civilian population.
yeah, I'm kind of jealous that Egypt managed to get the military behind them and oust their corrupt dictator. And it did not take them 5 years, did it?
See, I told Paul the first time I met him (in spring of 2009, I think) that I thought we had had a marxist coup and I longed to see tanks on the streets of DC and boots on the ground, because that seemed the only plausible solution to me.
My sentiments seem strangely providential. I hope all these guys who have been quietly removed because they are not down with his marxism will join up with the military and law enforcement on Oathkeepers. And I hope they outnumber BHOs brownshirts "who are as well equipped and trained as the military" with their billions of hollow point bullets.
Recall when Ariel Sharon had "his" military forcibly remove Israelis from their homes in Gaza strip? I watched it on TV in real time, in tears because these people had lived in these homes for decades and were forced to leave behind everything they owned. I thought at the time: Now God will have to find another leader for Israel because Sharon has done this thing. What happened? He had a big damned cerebral bleed and never woke up. When we pray "deliver us from evil", we had better mean it, folks. God is still on His throne.
If Israel is forced to attack Iran because of the fact that Iran will have sufficient enriched uranium for a nuclear weapon within weeks, the Iranian response will include a call for a global Jihad.
That call for a Jihad could come during the turmoil and distraction of the budget negotiations, the debt ceiling battle, both of which will be mudied by immigration/amnesty demands by the President and the democrats. George Soros is also already spearheading an immigration/amnesty effort.
The call for a global Jihad will be the signal for all the radical Jihadists who have been training in the six or seven known terrorist training camps right here in the US to come out from under their cover and take action. They will be joined by the Hezbollah and Al Shabab terrorists who have been entering the country through the southern borders from their Mexico based training camps. Those camps have been active for over five years.
Put all this together and there is no need for a 'false flag' attack in order to declare martial law. It is all in place and ready to go and the "Internal Security Force" under the aegis of the DHS is well prepared to do the bidding expected of them. The October 2012 Executive Order "Department of Homeland Security Partnership", has been coordianted in all State, County, City, Town and Tribal entities in the US. There are fourteen federal agencies including EPA, FEMA and other agencies included in the plans. The 1.6 billion rounds of hollow point ammo and the MRAP bomb proof vehicles (over 2000) are already being delivered to local "law enforcement" agencies throughout the US. No Conspiracy, just a well coordianted plan which is coming together quite nicely.
Reading this article again and seeing all the Great Service People who have had to leave makes Me sick to my stomach. Not for Me so much, as for my family….What have we allowed to happen?
I agree with all the above statements and the article was excellent.
We must continue to remind the 'WE THE PEOPLE' where we are headed…If a David does not show up!
Mass media betrayed a public trust when they concealed the identity and orientation of you-know-whom. You should have done your own homework, and not depended on talking heads to do your thinking for you on election day.
My 90 year old father-in-law was very prophetic when Obama was re-elected. He said "we will never see another presidential election". I believe that getting rid of the loyal military seniors, an I mean loyal to the constitution, is the first step to declaring a dictatorship. He will make it happen, and it's a holy war an nothing else. You don't have to listen to what he says, watch what he does and what he has done. His policy in the middle east is the most telling of what is to come. The steps are there and right in place. Because of political correctness we are about to lose our country.
Stalin did the same thing.
Jihad, False flags or what ever. He has to do two things and two things only and that is to declare a state of emergency/martial law and declare our monetary system insolvent. You wake up one cold morning head out to work, stop at the gas station to fill up and are told there is no gas & your credit and debit cards are no good. You go to the store with what money you have and it's a mob scene of desperation. You get back home to your family and try to call relatives and cell phones & land lines are dead as well as computers. You next find you have no power, gas, H20. All EMS aren't working, no police, fire. You can't refill your medications that many can't live without. Insulin, B/P, Antibiotics etc. Nothing is available. If you live in a fairly the next thing is the vandalism, your food stolen, women raped, violence everywhere. When he signs that State of Emergency Act. He controls All commerce, Transportation, Law Enforcement EXCEPT COUNTY SHERIFFS, what's left of the military, communications, food distribution, and most important of all WATER. Imagine this scene in your mind playing out in NYC 8-10 million people, L.A County, 25 million, over 200 million Americans live in metropolitan areas or suburbs. NOT GOOD. PREPARE NOW, GUNS, FOOD WATER, A PLAN. GOD BE WITH US. Semper Fi
It's about time. Besides cheating scandals, drugs, drunkeness, failing to secure nukes, failure to protect the lives of the men and women under their command, gambling, adultery, assault, $100 billion unaccoubted for in Iraq — Things that service members of lower rank go to military prison for — Generals have been given a free pass. Plus, as reported in Army Times, all the branches themselves have come to similar conclusions as this army study
Lt. Col. Daniel Davis writes, "The U.S. Army's generals, as a group, have lost the ability to effectively function at the high level required of those upon whom we place the responsibility for safeguarding our nation. Over the past 20 years, our senior leaders have amassed a record of failure in major organizational, acquisition and strategic efforts."
Davis, an army officer who works on the Army staff, also writes, "These failures have been accompanied by the hallmarks of an organization unable and unwilling to fix itself: aggressive resistance to the reporting of problems, suppression of failed test results, public declarations of success where none was justified, and the absence of accountability.
I checked the first 37 listed and none were removed inappropriately. One of command changes was a routine succession. Several of these command changes were explained in the Stars and Stripes http://www.stripes.com/news/navy/navy-commanders-relieved-of-duty-in-2012-1.168999
Compared to when I served in the 60's the military obviously has serious deficiencies in its command ranks. Don't blame the military's lack of professionalism, intelligence, ethics and morals on the President.
This article is just another hateful attack on President Obama.
The following are the explanations for the first 37 command changes.
1. Relieved after his personal firearm discharged in his office accidentally
2. failing to secure a base in Afghanistan against a Taliban attack that killed two Marines
3. repeatedly drank too much and behaved like a boor last summer during an official trip to Moscow, where he insulted his Russian hosts and hung out with twosuspicious women
4. issues related to gambling
5. failing to secure a base in Afghanistan against a Taliban attack that killed two Marines
6. loss in confidence in Christmas' ability to continue commanding Marines and sailors
8. Poor representative of the US said, "You know guys like that ain't got no manhood left anyway, so it's a hell of a lot of fun to shoot them."
9. alcohol and sexual misconduct
10. alcohol and sexual misconduct
11. extramarital affair
12. Navy investigation reprimanded Gaouette for repeatedly violating U.S. Navy policy by making and sending offensive comments and e-mail messages
13. routine succession planning that has been on going since July
14. as a result of an unprofessional command climate that was contrary to good order and discipline
15. loss of confidence in his ability to command after the vessel collided with a tanker.
16. fired Sept. 21 for violating the Navy's policy on hazing.
17. fired Sept. 10 pending an investigation into his leadership.
18. after a rowdy and booze-fueled port visit to Vladivostok, Russia, in the month previous
19. fired Aug. 21 due to a loss of confidence in his ability to command for allegedly driving under the influence
20. allegations of misconduct.
21. fired March 12 amid an investigation into "personal misconduct
22. relieved Feb. 4 after he was convicted in an admiral's mast of dereliction of duty for mishandling classified materials
23. fired May 1 due to poor command climate.
24. fired May 1 for inadequate performance in administration and operations
25. relieved April 6 after problems were identified in an annual command climate survey.
26. relieved from command of the USS Essex after it collided with the replenishment oiler
27. relieved Feb. 10 on suspicion of "inappropriate personal behavior.
28. relieved of duty Nov. 26 for mismanagement and unspecified "major program deficiencies
29. investigation revealed the possible falsification of administrative records.
30. a significant lack of leadership and integrity that eroded good order and discipline in the command
31. "temporarily reassigned" pending a command investigation into allegations of inappropriate personal behavior
32. fired Sept. 1 due to a loss of confidence in her ability to command following a crash that resulted in the death of two sailors
33. relieved of command Sept. 16 amid allegations of an inappropriate relationship
34. fired Aug. 10 for personal misconduct
35. relieved Nov. 8 amid allegations that funds were misused under his watch
36. fired Nov. 19 for allegations of misconduct
37. fired Feb. 27 amid allegations of "personal misconduct."
Ah yes, Mr. Lowery, it's always just another "hateful" attack on Obama, isn't that right? I bet it's because he's a black guy too, correct? Or is that not politically correct enough for you? Perhaps I should say African American? Or when will that be out of "Progressive (a.k.a. hardcore Marxist) style and non-PC? Anyone who criticizes Obama is just a hateful racist, right? Let me tell you something – that game is UP. We are not buying it any longer. His compliant media and his compliant Congress may be, but we are not. I've had and heard just about enough of this "hateful attack" and "racially motivated" or "it's just because Obama is black" bullsh*t. Nothing is further from the truth than all of that. Let me school you for a minute. If it weren't for all the *hateful* white men and women out there, I don't think he could have collected the votes to be in office now could he? Huh? The jig is up. No racial pun intended – before you start getting excited about catching me in a racist remark. It truly is UP. They are getting ready to fight decent, God-fearing, hardworking Americans with procurement of BILLIONS of bullets, militarizing the local police, and DHS giving away billions in free military grade hardware to small town Barney Fifes. This is not hearsay nor conspiracy theory. It is a conspiracy fact, and that just touches the surface of the illegal, unconscionable, and unconstitutional things this man, and I say man lightly, is doing and planning. Well I've got some news for him, his pliant and compliant DHS, TSA, CIA, NSA, and the rest of them: We are just as well-prepared and well-equipped as his domestic army he has built. We are also more fervent than all of the politically correct and multi-cultural, LGBT, and other radical replacements that he has put in after removing about 200 fine men with stellar careers for trumped up bullsh*t unverified and unproven charges. Who does this guy think he is? I've never witnessed a president in my lifetime with such ego and narcissism. You think you like his ideas and so you think you will be part of his plans? Maybe you'll gain favor for being a pliant and compliant supporter as well? Nah, you'll go down with the rest of us if his plan were to actually succeed. You are just a useful-idiot as good old Vlad Lenin said, and they WILL dispose of you too if successful. That's the beauty of the progressive ignorance. They actually think they will be part of the new structure once they pull their revolutionary plans. The only structure you'll be part of is mother Earth when they put you six feet down. I imagine you are not a person prepared to defend himself or his family except with whatever kitchen implements he may find nearby. Well, we'll have a really dirty cleanup to do after this is over with and military and ex-military help the real and good citizens of the USA raze their coup. We'll have to round up all of the people who believe in his ideologies and make damn*d sure that it doesn't get a foothold again because it simply cannot be allowed to happen again at any cost – any cost but freedom and liberty, and our pursuit of happiness. My pursuit of happiness does not include you and your progressive buddies telling me what I can and can't do, and it doesn't include progressive taxation to fund your Communist Manifesto. That's just about all I've got to say about thay-at, Forest.
I find it very troubling that you list military officers being fired over mishandling of funds, when the IRS can't find 64 million dollars it misplaced. No one up the ladder gets fired for mishandling funds, or not doing their job, just military people. Civilians are exempt I suppose. These dismissed officers were the officers that were not progressive enough for him.
Do as I say, not as I do…B.O. does what he wants, when he wants, AND does NOTHING when he'd rather gift or fundraise. Americans, Christians, and Jews are being tortured and killed. Hypocrisy at the Highest Level for an American President. No wonder the world laughs at Americans. They voted in a Covert, Foreign, Muslim Extremist Infiltrator, who is currently residing in The White House. Thanks go mostly to the Sheeeple Democrats, the OBots. Bend over America. Your President bowed down to his Leaders and is selling you out. He knew he could, if he claimed to be a Dem. They are easily led. Over the cliff…
Do you always believe everything you read? Troll! Sure, maybe….if it were just a few cases….but hundreds of officers points to a definite pattern. In law enforcement, this would be evidence of a RICO violation (i.e. racketeering and organized crime). Your beloved Obama (not his real name) is a Chicago gangster!
We have been watching the constant deterioration of the nation over the years. The recent events are very troubling. Indeed the several thousand executive orders of both presidents and the Inclusion of the Patriot act and the NDAA BOTH ILLEGAL AS THE 9 "HOLLOWEEN CLOWNS" sit there and do more damage with more FEDERALIST RULINGS-We must make a decision to stand and fight ( as the Bundy's did) I believe that was the first "battle" of the American spring. May we all be here to witness the taking back of our nation from these Mercantile Fascist scum. I am hopeful that we will have some field commanders leading as these men have shown valor and courage under fire ( we may have to break some bones to make a point- but "these people have to go period" either feet first, or head first
Always "put" some truth into the big lie. That is, always has been, the recipe to 'fool' people. Folks have a very (!) limited attention span these days and so many "want" to believe we're in a "politics as usual" cycle. I do not think so.
We've thought that our Constitution would, perhaps magically, protect us from the likes of an "American" Hitler, Mao, etc… it was intended thru the formation of our 'government checks and balances' to do so but THAT IS ONLY TRUE if the majority of leaders are abiding in the Constitution. We know that such is not the case and, sadly, probably on both sides of the aisle. I am rather despairing of 'honest' politicians these days. I would say that "at least some" of the fired/force to retire leaders "probably" brought that action onto themselves HOWEVER I also think that the supposition suggesting "something more ominous" behind these actions COULD BE VALID. The veil of secrecy behind which so much 'maneuvering' goes on is hard to penetrate. We have to work off of prior known behaviors and associations. Obama's past is now becoming, way too late, clear. His associations were virulently anti-American; his actions in both state and federal senate positions were weak, hard to pin down and, consequently in my opinion, designed to 'not offend' anyone (which we all know cannot be done 'in' a true effort to lead); his voting record is negative in its pablum like 'present' responses. But he has shown, since his election, other indications of his lack of respect for our Constitution, freedoms, exceptionalism, and military. I won't list them. Anyone who studies history KNOWS that America has been steered away from her foundational Constitution bulwarks. We have removed the Golden Rule, we have systematically under-educated our progeny, we are weakening and dis-unifying our military and we are empowering our enemies. These are pretty much facts. I believe that Obama, his associates, many progressive politicians, a goodly number of business CEOs, and 'just dumb' citizens have contributed to this downward spiral. While I don't have an immediate solution, education and faith are two areas that must be addressed (if you believe in nothing, you 'will' fall for anything) and we need to hold corruption accountable (of course the judicial system seems corrupt also, so?)… but I do not think these changes will happen and THIS IS ALL GOING TO END UGLY! Try to be safe… it will be hard and he*l is coming to breakfast.
I will not take the Chip! I believe in God, the Constitution, and fighting for my Country!
I will unite with the OathKeepers and my fellow Veterans,
And take up Arms to fight against Obama, his Muslims
and Jihadists. What have we done? Who have we voted
into office? I fear the AntiChrist is here! But, be of good cheer!
GOD IS STILL IN CONTROL of the current situation!
America, Repent! Turn to Jesus Christ!
May God Bless America and OUR Military Forces!!
We are in for a fight!
God and His army's will win the Final War!!


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Contact Information
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We held our third annual Trivia Night and Silent Auction on Saturday, November 15th. The event raised over $3,000 to support our work, and was a lot of fun for all who attended. Special thanks to our sponsor the Alpine Shop, and to Urban Chestnut and St Louis Brewery, Maker of Schlafly Beers, for their donations.
Every month - General Meetings - Speakers Don't miss this excellent speaker series on environmental topics with award winning speakers.
Learn about committees and volunteer opportunities. Political, Conservation, Transportation... Calendar of committee meetings and other events in the EMG office.
Sierra Club supports green transportation. Transit, bicycles, and walking provide an alternative that is healthy for both you and the environment.
Plan your trip by Metro.
Discuss online... Write EMG Conservation listserv. Write EMG Smart Growth/Transportation listserv.


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Your video will begin after this quick intro to Brightstorm.
Solving Quadratic Equations by Factoring - Problem 15
930 views
Technically, we're allowed to do anything to an equation as long as we do it to both sides of an equation. This includes dividing: we could divide by a number (or constant) or even divide by a variable, BUT... in dividing by a variable, though it is technically mathematically correct, we would lose a solution to a quadratic equation. As shown here, the best method is always to set the equation equal to zero, factor, and then solve using the zero product property rather than divide by a variable.
Transcript Coming Soon!


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Comfort Products Relaxzen Executive Chair with 5-Motor Massage
Item # WX2-307411
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This item is shipped directly from the factory. To see the expected shipping date, please add to your Shopping Cart. Sorry, no express shipping available. We are unable to ship factory direct items to Alaska, Hawaii, Puerto Rico or APO or FPO addresses.
- Details & Specs
Comfort Products Relaxzen Executive Chair with 5-Motor Massage helps relieve executive stress!
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- Adjustable tilt, tension, lock, swivel and pneumatic seat height
- Thick, pillow-top seat cushions, padded armrests
- Capacity: 250-lbs.
- Seat: 21"w. x 20"d. Adjusts from 20" - 24"h.
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I sowed these seeds in pots with a mix of regular potting mix and miracle gro potting mix over a week ago. So far no sign of growth. Is this normal? Are there any special requirements for growing impatiens from seed? |
Follow-Up Postings:
Give them a little more time. |
Just in case, I am trying this method: I placed a few impatiens seeds on a moistened kitchen napkin, placed the napkin on a saucer and covered it with a plastic cover. Then I placed it in a sunny window. Will let you know if it germinates by this method. |
Well I put about 20 pounds of seed (ok... not quite but it seemed like it!) in the garden last spring and got maybe three plants by late October! They flowered once and quickly got hit by frost. I thought the seed was bad but this year I have about 19 pounds of impatiens coming up! Maybe yours just want to sleep a while longer BasilB |
- Posted by taxonomist 7b VA (My Page) on Tue, Jun 14, 05 at 20:07
I have been trying to germinate Impatiens glandulifera seed for three months. No luck to date. Does anyone have any germination data relating to this species? |
i grew these from seed, planted them out early spring and they are blooming like crazy now - (picture is two weeks old) |
Carrie--Are those the balsam/lady's slipper variety? If they are, I also have them growing like crazy. They spread their seed everywhere! Unfortunately no flowers! I have to keep pulling them out cause they crowd out my other flowersing plants. I heard this is not the time for them to flower? They are very pretty when they do bloom. BTW yours are very pretty! |
Thanks, Dazed. I like them and they are easy to grow. The seed package said Balsamina Impatiens Double Camellia - so I guess that's what it is! LOL - - They only need a couple of hours of sun in the morning and the rest of the time they tolerate the shade. Some of the ones in my part shade garden are all pink and they look really nice and light up that area too. |
- Posted by grumpygardenguy 7 northern AL (My Page) on Fri, Jun 17, 05 at 12:05
Dazed when they are so abundant that they are crowded they don't grow as large and they do tend to take longer to bloom. I'm not to sure but i think temp is what spurs the time they bloom. It isn't size, as a 2 inch plant can bloom as easily as a 2ft tall one. if crowded they don't tend to branch out so they look like little palm tree Forrest's. If given room they will end up looking like a bush. I had 4 that i put all by themselves in 4 spots those four got to be 3 ft tall and 2 wide the ones that had few neighbors got to 3 ft tall but not as wide, and the ones crowded didn't get much taller then a ft and didn't branch at all. it is like they build to suit their space. If you'd like i can take some photos to illustrate it. I don;t have any that have started bushing out yet, but have many 3 ft tall and a patch of crowed 11 inch ones. |
- Posted by tazetta 4(firstname.lastname@example.com) onWed, Jun 6, 07 at 21:24
for anyone who asked about germinating policeman's helmet, impatiens glandulifera...the seed must be fresh! harvest and sow them the same season. they will germinate the following spring. that's the way it worked here in zone 4. i have repeated failures until i used fresh seed. tazetta |
- Posted by plntgrower 5 (My Page) on Fri, Jul 20, 12 at 11:42
The mistake I made when first planting impatiens is I buried the seed too deeply. Just place the seeds on top of the soil and lightly press them in, then water. I use a bottle with a spout similar to that of a shampoo bottle to water. It has an opening small enough to allow one drop of water at a time. Check often and don't let the soil dry out. You could put plastic over the planting tray, I don't do this because I wind up too often with moldy seeds. If you plant the seeds in the late winter in an unheated room, it will take a while for them to sprout so don't give up too soon. To be honest though, some mixes of certain varieties still fail for me, so then I'll try another variety, like instead of Accent, I'll try Sunny Lady for example. I collected seed from only burgundy colored impatiens last fall just to see what would happen. They sprouted and grew well. I got plants with burgundy flowers, but also got plants with salmon and with violet flowers too. The plants are all healthy and floriferous like the parent plant. I am satisfied with how everything turned out and am going to try collecting only white impatien seeds for next year. |
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Blog | Comments |
WoW | 1 Comment |
Recent Comments:
The Horde win the pennant! The Horde win the pennant! {WoW}
Nov 8th 2007 7:43PM Keep in mind that Curt is fairly new to WoW. He played EQ2 until not that long ago and has four maxxed out EQ2 toons. I was actually surprised when he replied that he was playing WoW now. Last I had heard, he was still playing EQ2.


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Cars > 67pontiacman's Garage
About 67pontiacman's Garage
About me and my passion for cars
I've been in love with cars since day one. I was almost born in a 70 Firebird Formula 400. I think I could hear the tires burning on the way to the hospital even in the womb. My first cars were Hot Wheels and I still haven't out grown them. My parents always had cool muscle cars. So when it was time to get my first car it had to be fast, loud and of course cool. 1967 Firebird 400. Several tickets and suspended licenses later I parked it and got something tamer. I still have the need for speed I just control it a little better. HAHA.
As an adult I worked for other people for 15 years. When I got the chance to work for my self it was only natural to open a custom/ hotrod shop. I've built a lot of show winning customs and magazine cars. Now I buy and restore muscle cars for a living and for fun.
My first car
1967 Firebird
Car I wish I still had
Custom 1959 Cadillac
My dream car
Any Trans Am
- Type of racing: Drag Racing
- Driver: The Force team
- Driving song: Trans Am by Sammy Hagar
- Car movie: Smokey and the Bandit
- Car magazine: High Performance Pontiac
- Car game: Pole Position
— Profile last updated: Nov 25, 2014
Date Joined | Feb 22, 2013 |
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Save this URL into your Favorites: " www.TheBanditRun.com " Call or email anytime 402.465.5756 or firstname.lastname@example.com For 2014 Event details please go to www.TheBanditRun.com for regular updates. Full route details are posted during the registration process. Also all the Hotel...
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Patients in hospital, nursing homes and long-term care facilities are at high risk of developing infections that they did not have before admission. Most healthcare-associated infections are spread by direct contact, especially via the hands of healthcare workers. Traditionally, hand hygiene, such as washing hands before and after touching patients, has been considered the single most important way of reducing infections. Increasingly, the use of alcohol-based hand rub is used alongside or in replacement of traditional washing with soap and water. However, compliance with hand hygiene is poor.
This updated review sought to establish whether there are effective strategies to improve hand hygiene compliance, whether such strategies are effective over short or longer term and whether increased compliance reduces healthcare-associated infections.
There were four studies, two from the original review in 2007 and two from the update, which assessed the success of campaigns to improve hand hygiene compliance. Follow-up continued for longer than 12 months in two of the studies, but none of the studies was of high quality. Success in improving hand hygiene was inconsistent among the four studies.
There is still not enough evidence to be certain what strategies improve hand hygiene compliance. Introducing alcohol-based hand rub accompanied by education/training is not enough, while using multiple strategies, including involvement of staff in planning activities or applying social marketing strategies, may be helpful. More research is needed.


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Processing Time - Orders typically ship in 2-5 business days. Transit via UPS Ground can take up to 6 business days. Braided and custom-made products may take 2 to 3 weeks for delivery.
Free Shipping to Contiguous United States - We do not ship to Alaska, Hawaii or the Caribbean Islands at this time.
Oversized items - Orders that ship freight may take up to 2 weeks from shipment date to be delivered. You will be contacted by the trucking company to schedule a delivery appointment.
Shipping to Canada - Orders shipping to Canada will be subject to a 15% shipping surcharge fee. The shipping surcharge does not cover duties, customs, taxes or brokerage fees which may be charged to you by the shipping courier at time of delivery. At this time we are not shipping to Yukon and the Northwest Territories in Canada.
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Momeni Radiance RD03 Carbon Rug
Item #: 126RD03-P Add to Wishlist
Description: Soft contemporary and transitional designs grace these unique pieces. Hand-tufted of 100% mod-acrylic, Radiance features a heavy wash that gives these rugs a beautiful sheen.
- Collection: Radiance
- Brand: Momeni
- Material: 100% Mod-Acrylic
- Weave: Hand Tufted
- Styles: Contemporary Rugs Traditional Rugs
- Origin: China
- Available in the following sizes: 3' 6" x 5' 6", 5' 3" x 8', 8' x 11', 7' 9" Round, 7' 9" Square and 2' 6" x 8'
Got this rug for a client and loved it. Very thick and soft and good quality. And really beautiful too!
RECOMMENDED: Yes, I would recommend this to a friend.Arrived faster than I expected. In great shape and looks even better in person.
RECOMMENDED: Yes, I would recommend this to a friend.
Though styles have come and gone, beneath them all is the fundamental principal that Momeni rugs are created to touch our senses. The Momeni standard of quality, elegance, and sophistication has been recognized time and time again with America's Magnificent Carpet Award in Atlanta Georgia.
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Reception Menu
(Prices are per person and subject to change)Hors d'Oeuvres Stations
Minimum 75 people. House Beverage Included. Design your own buffet: choose one or more stations.
One Station: $16.95 per person / Each additional station: $5.25 per person.
Sandwich and Canapé Station
Pinwheels of Lavosh Cracker Filled with Specialty Meats and Vegetables
An assortment of House Canapés made fresh just for your special event
Toasted French Bread with a Variety of Spreads including Sundried Tomato, Basil Cream Cheese, Cucumber Yogurt, and Dill Cream Cheese.
Your choice of our House Special Chicken Salad or a Smokey Ham Salad on Petite Dollar Buns.
Finger Food Station
Chicken Tenderloins skewered and boiled with a Spicy Thai Peanut Sauce
Bacon Wrapped Scallops or Chicken Quesadillas
Seafood Station
Crispy Bite-sized Puff Pastry with Potato and Seafood
Deep-fried Wonton Wrapper with Seafood Salad and Sprouts
Cheese Puff Pastry with Sautéed Shrimp, Leeks and a Hint of Dill
Fruit and Cheese Station
A variety of Domestic Cheeses including Sharp Cheddar, Monterey Jack, and Swiss
A wonderful assortment of Imported Cheeses including Rich Brie, Smoked Gouda, Tangy Blue and Buttery Havarti
Vegetables & Savories Station
with Garden Tomatoes, Basil, and Extra Virgin Olive Oil
Dry Cured Lean Beef with Capers and Bermuda Onions
Pastry Station
French Pastries
Mini Tartlets
Assorted Pies
Assorted Cheesecakes
Custard-filled Confections
Action Stations
Minimum 75 people. House Beverage Included. A great addition to any of our Buffets or Carvery a la Carte items.
There is a $75 station set up fee for your first station and a $25 setup fee for each additional station.
We recommend one station per 100 guests. Minimum $7.95 per person.
All action stations will be manned by an attendant
Mashed Potatoes Your Way
One of our attendants will help you make mashed potatoes just the way you want them. Choose from Rich Buttery Traditional Mashed Potatoes, a Garlic Roasted Mashed Potato or take a walk on the wild side with a Fluffy Purple Mashed Potato. Choose from a variety of toppings including Crispy Fried Bacon, Shredded Cheese, Steamed Vegetables, Diced Red and Green Peppers, Diced Ham and your choice of a Creamy Rich Mornay Sauce or a Hearty Beef au Jus.
$10.95 per person
Italian Sodas
Delicious Sparking Italian Sodas prepared for you by one of our attendants. Choose to have the attendant make a traditional Italian Soda or take a chance with a refreshing "Creamosa' (an Italian Soda with a shot of Rich Heavy Cream). A great addition to our Hors d'Oeuvre Stations.
$5.25 per person
Pasta Station
Your guests may choose from three Delicious Pastas prepared at the station by our attendant or a Personalized Creation prepared upon the guest's request. Your guest has the choice of several assortments of Pasta and Condiments including Diced Peppers, Chopped Ham, Sliced Mushrooms, a Variety of Imported and Domestic Cheeses and Fresh Herbs.
$11.95 per person
Crepe Station
A tasty treat any time of the year. Our attendant will prepare Thin Golden Crepes with a variety of fillings including Chantilly Cream and a Rich Pastry Cream. You choose the finishing touches from an assortment of toppings including Seasonal Fresh Fruits, Berries, Chopped Nuts and Chocolate Sprinkles.
$9.95 per person
Donut Station
Choose from an assortment of Donuts with a variety of Glazes and Sweet Toppings including Chopped Nuts, Chocolate Sprinkles, Diced Dried Fruit, Marshmallow Cream and Mini M&M's. Finish it off with an ice cold glass of milk. A wonderful sweet treat just the way you like it.
$7.95 per person
Share the special memories of growing up with tales around the campfire as your guests make their own S'mores around our "fire." A station where your guests can interact with each other as they make their own special S'more creation. Unique, sinfully sweet toppings that add a new twist to the traditional.
$7.95 per person.
Design Your Own Buffet
Minimum 75 people. House Beverage Included.
Design your own buffet by choosing from the items below. Combine them for a reception just the way you imagined, or add them to any of our stations or buffets.
Minimum $9.95 per person
Bacon-Wrapped Dates
Bacon wrapped Sweet Dates filled with Mint Mascarpone and served with Sweet Spice Raspberry Reduction
$3.75 per person
$3.25 added to a station or buffet
All-American Ham and Cheese
Smokey Diced Ham with Mild Aged Cheddar Cheese rolled in Sourdough Bread and Sautéed to a Golden Brown served with a Creamy Avocado Cilantro Mayonnaise
$3.25 per person
$2.75 added to a station or buffet
Flaky Pork Empanada
Smokey Diced Pork wrapped in Flaky Pastry Dough served with a Creamy Lime Cilantro Dressing
$3.95 per person
$3.25 added to a station or buffet
Pork Loin Sliders
Tender Roasted Pork Loin with a Smokey BBQ Sauce served on a Petite Dollar Bun with a Wasabi Mayonnaise
$3.75 per person
$3.25 added to a station or buffet
Savory Pork Meatballs
Tender Ground Pork Loin with a Hint of Calvados served with a Tangy Apple Balsamic BBQ Sauce
$3.75 per person
$3.25 added to a station or buffet
Asian Meatballs
Tender Chicken Meatballs with Crunchy Water Chestnuts and Green Onions served with a Spicy Thai Coconut Peanut Satay Sauce
$3.75 per person
$3.25 added to a station or buffet
Bacon-Wrapped Shrimp
Tender Jumbo Shrimp stuffed with a Creamy Monterey Jack Cheese wrapped in Smokey Crisp Bacon served with a Spicy Chipotle Mayonnaise
$4.25 per person
$3.95 added to a station or buffet
Artichoke Beignets
Traditional small bites of Fluffy Batter filled with Savory Artichokes and smothered in a Refreshing Orange Sauce
$3.25 per person
$2.50 added to a station or buffet
Mushroom Ragout
An Exotic Blend of Mushrooms served with a Crispy Polenta Point and a Sweet Cherry Reduction
$3.75 per person
$3.25 added to a station or buffet
Brie Phyllo Puffs
Delicate Purses of Crispy Phyllo filled with Creamy Brie Cheese served with a Wonderful House Special Marina Sauce
$3.95 per person
$3.25 added to a station or buffet
Cheese and Vegetable Torta
Rich French Brie Cheese stuffed with Sautéed Spinach, Pine Nuts, Chopped Sun-Dried Tomatoes, Basil and Creamy Ricotta Cheese served with an Assortment of Crackers and Sliced Baguettes
$3.75 per person
$3.25 added to a station or buffet
Shrimp Tenderloin
Tender Bites of Tenderloin Beef skewered with a Delicate Shrimp and served with a Rich Lobster Americaine Sauce
$4.75 per person
$4.25 added to a station or buffet
Bay Shrimp Top Hats
Flaky Phyllo Crowns stuffed with Sautéed Crab, Bay Shrimp, Diced Vegetables and topped with Crispy Fried Onions
$3.75 per person
$3.25 added to a station or buffet
Dunkin' Donuts
Miniature Donuts served with Rich Creamy Chocolate Milk, Fruity Strawberry Milk, and Ice Cold Milk
$2.75 per person
$2.25 added to a station or buffet
Reception Buffets
Minimum 50 people.
Wedding Buffet
Spinach or Caesar Salad
Soft Roll filled with Chicken Salad
Assorted Seasonal Fruit Tray
Your Choice of Three Pastries (Select from Pastry a la Carte items)
House Beverage
$13.50 per person
Chocolate-Lovers Dream
Chocolate-covered Mini Éclairs
Chocolate Three Layer Cake
Chocolate Cheesecake
Chocolate Decadence Cake
Sacher Cake
Chocolate Mousse
Baked Chocolate Custard
House Beverage
$14.95 per person
A Taste of the Orient
Asian Garden Salad
Eggroll with Plum Sauce
Teriyaki Chicken Skewers
Your Choice of Three Pastries (Select from Pastry a la Carte items)
House Beverage
$14.95 per person
Bridal Buffet
Vol au Vent Pastry with Hot Creamed Chicken
Fresh Vegetables with Dip
Assorted Seasonal Fruit Tray
Fresh Fruit Tartlets
House Beverage
$11.50 per person
South of the Border Treat
Assortment of Fresh Salsas
Pico De Gallo
Fresh Tortilla Chips
Mini Individual Tacos
Piquant Taquitos
Individual 7-layer Dips
Sinfully Smooth Mexican Flan
House Beverage
$14.95 per person
Mediterranean Picnic
Assortment of Savory Cheese Spreads
Imported and Domestic Cheeses
Cheese and Vegetable Torta or Peppercorn Pate
Baked Brie in Puff Pastry with Marinara Sauce
Assortment of Crackers and Sliced Baguettes
Assorted Seasonal Fruit Tray
Fruit Tartlets
House Beverage
$14.95 per person
Gourmet Cake and Pie Buffet
Minimum 75 People
Mixed Berry
Pecan Tart
Chocolate Cream
Turtle Pie
Banana Cream
Pumpkin (Sep. - Dec.)
Strawberry (May - Sep.)
White Chocolate Mousse
German Chocolate
Raspberry Marzipan Layer
Chocolate Three-Layer
Spice with Brown Sugar Icing
Lemon Chiffon
Chocolate Macadamia Nut Mousse
Black Forest Torte
Sacher Torte
Raspberry Torte
Marble Cheesecake
New York Cheesecake
Raspberry Cheesecake
House Beverage
$7.95 per person
Fondue Buffet
Minimum 75 People
Chocolate, White Chocolate, Raspberry White Chocolate, Lemon Curd, or Caramel
Each served with an Assortment of Fresh Fruit, Pound Cake, Large Marshmallows and Pretzels
House Beverage
$11.50 per person
Additional Items: Maraschino Cherries $0.50, Florentine Cookies $1.50, Cream Puffs $1.25, Pirouette Cookies $1.00, Petite Macaroons $1.50, Assorted Meringue Kisses $0.50
Plated Reception Items
Minimum 75 people.
Select one of the following:
Pastry with Savory Filling
Vol Au Vent Pastry or Soft Roll filled with your choice of Chicken Salad, Seafood Salad or Ham Salad
Sliced Seasonal Fruit
Chocolate Mint Truffle
House Beverage
$8.50 per person
Cream Puff
Cream Puff with your choice of Custard Filling: Lemon, Caramel, Raspberry or Vanilla
Chocolate Mint Truffle
House Beverage
$7.95 per person
Layered Croissant
Croissant layered with Ham, Turkey, Swiss Cheese, Tomato and Sprouts
Chocolate Mint Truffle
House Beverage
$9.00 per person
New York Cheesecake
Slice of New York Cheesecake with your choice of Raspberry, Blueberry or Strawberry Topping
Mixed Nuts served in a Chocolate Cup
House Beverage
$7.95 per person
Bride's Plate
Croissant filled with your choice of Chicken Salad, Seafood Salad or Ham Salad
Sliced Seasonal Fruit
Chocolate Mint Truffle
House Beverage
$9.00 per person
Groom's Plate
A Savory Pulled Pork Sandwich on a Sesame Seed Bun
Carrot and Red Cabbage Slaw
Vegetable and Ranch Dressing Shooter
Chocolate Mint Truffle
House Beverage
$9.50 per person
a la Carte
May be added to any menu
Prices are per person
Pastry a la Carte Items
Chocolate Mint Truffle, $0.75
Fruit Tartlet, $2.00
Chocolate Covered Mini Éclair, $1.75
Florentine Cookie Dipped in Chocolate, $2.00
White Chocolate Topped Cream Puff, $1.75
Brownie, $1.50
Lemon Bar, $1.50
Chocolate Dipped Strawberry, $2.00
Chocolate Mousse in a Champagne Glass, $1.75
Carvery a la Carte Items
Roast Beef Tenderloin served with a Fresh Horseradish
Sauce and Sauce Robert with an
accompaniment of Petite Rolls
$8.95 per person
Mediterranean Seasoned and Slow Roasted Loin of
Pork served with Caribbean Mango Chutney and an
accompaniment of Petite Rolls
$7.50 per person
Slow Roasted Breast of Turkey
with a Rich Old Fashioned Turkey Gravy,
Cranberry Sauce and Petite Rolls
$6.95 per person
Tender New York Strip Loin Roast served with Fresh
Horseradish and Sauce Robert
with an accompaniment of Petite Rolls
$8.95 per person
Miscellaneous a la Carte Items
Assorted Cheese Tray with Crackers, $3.50
Fresh Fruit Tray, $3.50
Vegetable Tray with Dip, $3.00
Shrimp Bowl (serves 30-35), $70.00 (per bowl)
Poached Salmon (serves 30), $60.00 (per side)
Coconut Shrimp with Orange Marmalade, $5.25
Assorted Canapés, $3.00
Aram Sandwiches, $2.75
Soft Roll with Chicken Salad, $2.75
California Sushi Rolls, $2.95
Eggrolls with Plum Sauce, $3.00
Pot Stickers with Sauce, $3.00
Crispy Wontons, $3.00
Chicken Quesadillas, $3.25
Seafood Dauphines, $3.25
Crab Napoleons, $3.25
Crab Cakes, $4.00
Mixed Nuts, $2.75
House Beverages, $1.75
Assorted Hot Beverages, $1.75
Soda (canned), $1.50
Juice (bottled), $1.85
Beverage Station
Lemonade, Limeade, Orange Cranberry, or Strawberry Lemonade Garnished with Fresh Fruit and displayed in Beverage Dispensers
$3.50 per person
House Beverages
Raspberry Lemonade
Sparkling Apple Juice
Sparkling Cranberry Juice
Sparkling White Grape Juice
Orange/Peach/Passion Fruit
Fruit Frappe
A Slushy Mixture of Fruit Sorbet and Sprite Available in a Variety of Fruit Flavors
$2.25 per person
Contact Us
Free Professional Consultation
For your free wedding consultation and tour, call Joseph Smith Memorial Building Catering at 801-539-3130, or toll-free at 800-881-5762, or E-mail: Joseph Smith Memorial Building


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"This is a really good recipe for being gluten free. I did have to substitute the flax seed meal for almond meal just because I didn't have flax seed at the time but as you see from my photo it looks just like regular bread and toasts the same also. Worth a try! :)"


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If I could describe my cloth diaper routine in one word it would be – SIMPLE! I have a very basic system that is easy, relaxed, and fits our lifestyle.
As I mentioned last week, our diapers of choice are one-size pocket diapers. When our son was born we made an investment in 24 of the bumGenius 4.0 diapers. It was a large amount of money to spend at once, but the investment has paid for itself many times over by now (14 months later!).
We chose the diapers that had the hook and loop fasteners. (This is the same thing as velcro.) The other fastener option available for the bumGenius pocket diapers is snaps. Some people love the snaps, but we love using the velcro. It is super easy to put on and off, and you can get a really great fit with it.
The velcro does wear out faster than the snaps do, but we have been using ours for over a year and the velcro is still in great shape. Once the velcro fasteners do wear out, they can be replaced, along with the elastic. Cotton Babies offers these refresher kits for $1.00 each.
I plan on refreshing the velcro and elastic on all of our diapers at some point. We plan on using these diapers for as many children as they will last us through, so I am sure at some point the velcro and elastic will need to be replaced. It is a quick, simple fix and only costs $1.00 per diaper, so to me it will be worth it.
How We Store Clean Diapers
When I first started out on my cloth diaper venture, I stuffed all of the diapers with the inserts right after they were dry. This worked well. However, it does take a little bit of time to sit down and stuff 20 or so diapers. So for quite some time now, I never pre-stuff any of my diapers.
Once the diapers have been washed and dried, I simply throw them in a small laundry basket that sits on top of our dryer. This is where they stay until they are ready to be used. We have never had a changing table, so this is where all of the diaper supplies are stored.
When it is time to do a diaper change, I simply grab a diaper and an insert from the basket, stuff the diaper with the insert, and then do the diaper change. This is what works for me.
Some people like to have their diapers stuffed and ready to go. I, on the other hand, don't mind at all stuffing them as I need them. From the time that I grab the diaper to the time that I grab my son, I have the diaper stuffed and ready to go. This also works better for us because of the fact that we use two inserts in our overnight diapers. With this method we can stuff the diapers with exactly how much we need, when we need it.
How We Store Dirty Diapers
At Home:
We use this basic step-on wastebasket to store our dirty diapers. It has a lid on it that does a great job at keeping the smell in. We had a Diaper Genie in the beginning, and it was just not big enough. Cloth diapers are bulkier than disposables and take up more room, so not a lot of cloth diapers would fit in there.
Any medium-sized wastebasket with a lid would work great as a diaper pail. I really like the fact that ours has the step-on feature so I don't have to mess with opening the lid.
Our washer and dryer are in a closet in our kitchen and our diaper pail is stored beside our washer. Before I toss the dirty diapers into the pail, I simply close the laundry tabs on the diapers (this only applies to the diapers with velcro fasteners), and gently shake the inserts partly out. You don't have to shake them all of the way out, because that will naturally happen as they are washing.
If I am dealing with a poopy diaper, I take the diaper to the bathroom and flush the contents down the toilet before placing it in the diaper pail. The poop usually comes off easily and falls right into the toilet.
However, there are occasions when it is not as solid or when I wait too long to change it, that it doesn't just fall off of the diaper. In these instances, I hold the diaper by the four clean corners and just swish it around in the toilet for a few seconds. It usually doesn't take long for the poop to come off, and then I just proceed as normal.
There is no need to make sure that every last bit of the waste is removed from the diaper. Any small particles that remain will be removed and cleaned in the washer.
Also note that you do not have to flush any poop if you're baby is exclusively breastfed. These stools are water soluble and can be placed right in the washer. Only once your baby starts solids will you have to worry about flushing the poop.
On the Go:
When we are out and about, I simply carry a large gallon-size zip-loc bag with me to contain any dirty diapers that have to be changed. Some people use wet-bags for this. I originally planned on getting a few wet bags (because aren't they cute?), but I just never spent the money on any. Honestly, the zip-loc bags work just fine for us, but I would like to eventually purchase at least one wet bag for when we're on the go.
Once we are home, I just empty the contents of the zip-loc bag into our diaper pail, and rinse out the zip-log bag if needed. I re-use the same bag over and over. Occasionally it needs to be replaced with a new one, but not often.
My Cloth Diaper Laundry Routine
I do a load of diapers every three days. In my experience, going longer than this can start to cause stink issues with your diapers.
I also always wash on the large load setting. Although my load of diapers is not really a "large" load, the extra water in the machine goes a long way in getting the diapers clean.
When washing cloth diapers, you must be sure that you are using cloth diaper – friendly laundry detergent. I have always used the bumGenius diaper detergent. It works great for us and it is reasonably priced One box will last you for quite a long time.
Here is a very helpful article that will help you figure out if your detergent is safe for washing your cloth diapers.
My Washing Regimen:
- Dump entire contents of diaper pail into washer.
- A cold wash (No detergent)
- A hot wash (With detergent)
- Two cold rinses.
In addition to my normal washing, I usually strip my diapers once a month or so. You will want to periodically do this because of build-up from detergent and oil.
Drying Cloth Diapers:
Line drying in the sun is definitely the best way to dry cloth diapers. The sun does amazing things those little dipes. It gets rid of stains and smells like nothing else does. It is like all-natural bleach. I try to dry my diapers like this as often as possible.
However, the weather does not always permit this. My next choice for drying my cloth diapers is to line dry them inside and use the dryer for the inserts.
When line drying inside, I use wooden clothes pins to attach the diapers to wire hangers – one diaper to a hanger. Then I just hang the hangers on a long clothes rack that runs the length of our laundry room closet.
Occasionally, I will dry both the liners and the inserts in the dryer on the lowest heat setting. I try not to do this a lot, but sometimes it is just more convenient.
Cloth Wipes
Using cloth wipes makes a lot of sense if you are already using cloth diapers. It really doesn't take any more effort or time, since you are already washing the diapers anyways.
Cloth wipes are available for purchase, but are very easily made. I made mine from extra flannel receiving blankets that we had. I just cut the blankets up into wipe size squares and serged around the edges to prevent fraying. You could also do a simple zig-zag stitch like this if you don't have a serger. For a no-sew homemade cloth diaper, choose a material that won't fray, (such as material from old T-shirts) and cut into the appropriate size.
I store my clean cloth wipes in old, cleaned out yogurt or sour cream containers with a little bit of water. I have found that using cloth wipes with just plain water works great most of the time.
I do usually keep a spray bottle full of a homemade wipe solution around for the extra messy diapers that I feel need a little more than just plain water. (I use a homemade wipe solution very similar to the one at the bottom of this post by my friend Leigh Ann.)
Once the wipes are used, they get tossed into the diaper pail with the dirty diapers.
For on-the-go wipes, I just stick a few into a small zip-loc bag. Once they have been used, I put them with the dirty diaper into the large zip-loc bag that I use as my wet-bag.
Additional Resources
Nikki at Christian Mommy Blogger and Leigh Ann at Intentional By Grace are both posting today about cloth diapering beyond the everyday circumstances. Be sure to read both of their posts for more great information on cloth diapering.


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If anyone doubted Louisville's worth as a No. 1 overall seed for even a second coming into this tournament, the Cardinals have quickly silenced those critics with two absolutely dominating performances. And they don't look anywhere near satisfied.
In this much hyped season of parity, where no team looked truly dominant or like a clear cut favourite during the regular season, Rick Pitino's Cardinals are certainly making their case to fill that void. On Saturday, Louisville got off to a somewhat shaky start against No. 8 Colorado State, but after taking the lead with about 11 minutes remaining in the first half, they simply never looked back, cruising to a 26-point victory two days after routing No. 16 North Carolina A&T by 31 points.
Louisville's swarming defence created 11 steals and forced the Rams into 19 turnovers while they turned the ball over only nine times themselves, but what was most impressive to watch, and most intimidating to watch for future opponents, was the way Louisville continued to press Colorado State on defence and relentlessly attack them on offence despite a comfortable lead. There's no doubt where that refusal to accept complacency comes from, and that's Pitino.
(GIFs courtesy of SBNation and cjzero.com)
Sure, they've yet to play a real threat in the tournament, but the Cards are just functioning on another level right now on both ends of the floor, as through two games, they're shooting nearly 57 per cent on one end while holding teams below 44 per cent on the other.
Is it wishful thinking to believe that No. 12 Oregon can give Louisville a game in the Sweet 16? If they can, these Pitino meltdowns will look like mere friendly gestures by then.