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Ortega Serie D Natural No. 12
Product Features
- Size: 5 x 52
Ortega Serie D Natural No. 12
Availability: Usually ships in 72 hours
The Ortega Serie D cigar is the first line out of the newly formed Ortega Cigar Company, but that doesn't mean the man behind the cigar doesn't know what he's doing. Eddie Ortega was the 'O' in EO Cigars where he helped to build a reputation for complex and flavorful cigars developed and rolled in the famous My Father Cigars factory owned by Don Pepin, including the 601 line and Cubao. After selling 50% of EO Cigars, also known as United Tobacco, to Rocky Patel in 2010, Ortega felt the call to strike out on his own and the Serie D is the first cigar to result from the journey. Again calling upon the talents in the Pepin factory for production, Eddie has crafted the Natural version of the cigar to feature a diverse blend of long leaf tobaccos from the Jalapa and Esteli regions of Nicaragua which are then draped in an Habano Rosado wrapper.
Distinguished from the Maduro version of the Serie D by gold highlighting in the band, the Natural is sharply box-pressed and the wrapper is rough and dry with a cedar-like aroma that displays an unusual faint mustiness. This is far from an unpleasant smell and adds intrigue to what flavors lie hidden beneath. The first smoking impressions are a continuation of the woodsy character of the wrapper, but as the cigar begins to pour more and more smoke through the smooth draw, hints of caramel and chocolate can be found. Pepin's influence can be found about the halfway point when just the right amount of spice shows up to make the rest of the cigar an experience in pure enjoyment and relaxation.
The Ortega Serie D tends more to the medium side in body, although a slight increase in strength near the end may cause some dizziness for less experienced smokers. A stogie this tasty at this price point makes it a cigar to fit equally well while playing 18 holes, swapping tales at the 19th over cold beers, or after dinner with more intimate company. Cigars with similar strength, flavor, and value are the 5 Vegas Classic and Padron Natural.


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KMSpico 220.127.116.1131119 Stable-P2P Final Windows 8.1 Activator Tools
Yusky November 21, 2013P2P group has released the new and updated version of "KMSpico". This tool is very simple and tested, it is the easiest tool ever found on internet to activate Microsoft Product and it is recommended by me to activate your product by using this tool. For Installation Instructions Click Here! Description: KMSpico – is… Continue Reading »

subset: commoncrawl


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Welcome to soren's Member Page
See my Clippings See my Journal See my trade list Send me an email
I'm interested mostly in edibles, growing fruits and veggies. Getting interested in ornamentals I rather like black flowered plants or others with dark rich colors. Also I do like silvery- grey foliage can't get enough lavender. I could live without variegated or yellow foliage.
I live in: United States
My zone is: Zone 9 Sun 17
My favorite forum 1 is Growing Tomatoes.
My favorite forum 2 is Soil.
First registered on March 10, 2003 .


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You know what would be nice?
Having a mother who cared about me.
You know what? She could be an overprotective asshole who gives me an insane curfew and grounds me over petty shit. At least I'd know that she -cared-. I'd prefer that to this.
SHE wanted a new car, so she got a new car. Here I am, borderline eating disorder and halfway insane, and she has a brand-fucking-new car that she's just going to turn into scrap metal anyway. You know how that makes me feel? With the amount of money she put into that thing, she could have gotten a used one and used the leftover to pay for my surgery. I mean, it's been a year now, but still. It's how I felt a year ago, and it's how I feel now. Knowing that she -still- doesn't care enough to help me out -at all- doesn't make me feel any better. She doesn't even try.
But you know what? I'm not obligated to be there for her either. You know what else? If she were to come to me needing something in twenty years, I'll do more for her than she would've done for me. I'm better than her.
And you know, she wouldn't appreciate it at all. And it'd kill me. But I'd help her anyway.
And when I have kids, and they need something, I'LL HELP THEM TO THE BEST OF MY ABILITY, not dismiss them immediately. And if something is important to them I'LL LISTEN TO THEM. AND if I got in a divorce I wouldn't move ACROSS THE COUNTRY and completely fail to listen to my kid who for years has been literally BEGGING me to move closer to her sibling or let her go so she could live with said sibling for YEARS. And I wouldn't be a delusional lying bitch either.
But I mean, if I had kids and got in a divorce, I'd stay close enough that both of us could see the kids frequently. Why? Because I'm NOT A COMPLETE FUCKING MORON.
Me? Spiteful? Never.


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Staff Picks: The Best Movies of 2009
2009 Year In Review By Neil Miller on January 1, 2010 | Comments (15)In the last month of the past decade, we put our readership through the ringer. We unleashed list after list of our favorites of the decade and the year. And if you can suffer through one more round of awesomeness, it will all be over. For now.
Year in Review: The 15 Best Foreign Films of 2009
2009 Year In Review By Rob Hunter on January 1, 2010 | Comments (13)Goddamn I'm sick of making lists. Thankfully this is the last one of the year for me, and even better it's the one I find most important.
Year in Review: The Best Comedies of 2009
2009 Year In Review By Amber Humphrey on January 1, 2010 | Comments (6)End of the year lists usually come in tens or some sort of multiple of ten but here, as you will see, there are only seven slots. No, I'm not purposely trying to be subversive, nor was this result of laziness, and I assure you that it wasn't an attempt to gyp you out of those bottom three slots. There just weren't ten great, unequivocally funny comedies released this year.
Year in Review: 10 Performances of 2009 We Wish We Could Forget
2009 Year In Review By Kevin Carr on December 31, 2009 | Comments (29)As the year winds down to a close and with award season is already underway, everyone is looking back on all the fine performances in cinema over 2009. But to truly recall all the great performances, we have to slag through some pretty awful ones.
Year in Review: The 10 Worst Movies of 2009
2009 Year In Review By Kevin Carr on December 31, 2009 | Comments (26)To do this year's bottom of the barrel justice, we put our resident lover of all things bad Kevin Carr to work, to find the absolute worst movies of 2009
Year in Review: The 10 Best Performances of 2009
2009 Year In Review By Jorge Del Pinal on December 30, 2009 | Comments (5)Often "Best of" lists include a bunch of the Oscar bait roles that we hear about at the end of every year but in 2009 we had some great performances in big movies which sadly isn't always the case. With this list I tried to balance the two opposing worlds of critical credibility and popularity by considering which roles stuck out in my mind most. This is what I came up with…
Year in Review: Ten Best Horror Films of 2009
2009 Year In Review By Robert Fure on December 29, 2009 | Comments (24)We take a look back at the year 2009 in horror and, finding little to celebrate, never the less pull together a list of 10 films that, at the least, didn't suck total balls.
Year in Review: Best DVD Releases of 2009
2009 Year In Review By Rob Hunter on December 29, 2009 | Comments (5)I wasn't quite sure at first how to tackle a list of the Best DVDs of the Year… by definition, aren't the best dvds the ones containing the best movies? (Yes, they are.) We don't want this to be a list of the year's best movies though, so instead we're looking at the best collections, box sets, and special editions. Obviously the quality of the movies or shows within still matter, but they're just one aspect of a truly great dvd release. The other two most important things in a quality dvd are the extras and the packaging. The best dvds of the year should ideally have all three traits… awesome feature, awesome extras, awesome packaging. (At the very least they should have two out of three.) So here we go. These are the Best DVDs of 2009! AK100 (Criterion) This may be considered cinematic heresy but I've only seen three of Akira Kurosawa's many movies. Forgive me. Happily the fine folks at Criterion have long been supporters of the director, and this year they released the most comprehensive dvd set ever seen for any director. AK100 celebrates what would have been Kurosawa's 100th birthday and includes 25 of his movies from a career that lasted half a century. It includes the ones I've seen (Seven Samurai, Rashomon, and Yojimbo) and several others including a few that have never even had an official dvd release. The films each come in their own case, and the set also comes with a […]
Editor's Picks: The Ten Best Movies of 2009
2009 Year In Review By Neil Miller on December 27, 2009 | Comments (22)Perhaps one of the greatest honors, yet most difficult tasks of my year is the creation of my annual top ten list. As this site's editor in chief (or whatever title suits me this week), I get to kick-off our Year in Review every year with my picks for best of the year.
Year in Review: The 15 Best Trailers of 2009
2009 Year In Review By Rob Hunter on December 27, 2009 | Comments (11)Rob Hunter recalls a year of marketing with 15 of the most exciting slices of cinema to hit big screens this year. The best trailers.
Merry Christmas from Film School Rejects!
2009 Year In Review By Neil Miller on December 25, 2009 | Comments (4)Well, Merry whatever you celebrate. Because no matter what it is, we'll be there to celebrate (and drink heavily) right alongside you. All of you. Seriously.
Cinema 2009: The Ultimate Montage
2009 Year In Review By Neil Miller on December 25, 2009 | Comments (3)The year is about over. And while we're on the cusp of laying down our epic Year in Review, we thought we'd start you off with something easy — a gigantic montage.
Neil Miller
Scott Beggs
Rob Hunter
Kate Erbland
Christopher Campbell


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Most Popular Articles
Products & Newsletters
Loud Technologies Sells SLM Marketplace, Austin and Knilling
Woodinville, WA - Nov 14, 2008 - Loud Technologies has sold its SLM Marketplace catalog and accessories distribution business and proprietary St. Louis Stage Gear brand, along with the Austin guitar and Knilling Instruments brands to St. Louis-based U.S. Band and Orchestra Supplies. Terms of the sale were not disclosed.
Loud says that it sold the brands because they were non-core business units and product lines.
Acceptable Use Policy blog comments powered by Disqus
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Today in Radio History
Milestones From Radio's Past
The history of radio broadcasting extends beyond the work of a few famous inventors.
EAS Information More on EAS
NWS XML/Atom Feed for CAP Messages
The feed provides feeds for all US states and territories.
Wallpaper Calendar
Radio 2014 Calendar Wallpaper
Need a calendar for your computer desktop? Use one of ours.
The Wire
A virtual press conference
Information from manufacturers and associations about industry news, products, technology and business announcements.


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40 oz Icarus
- P.H.I. State of Mind Feat. Icarus
- V.O.D. freestyle
- Color Coded (Red and Blue) Feat. Justo Ganganelli produced by Cannon Wit Da Beats
- X Factor
- Sex in the City (freestyle)
- 01First Song
- 02Track Number Two
- 03Third Song
- 04Composition #Four
- 055th
- 06Song
Icarus is from Philadelphia, pa. I make music drink 40oz's and drink liquor in my spare time. My music is a reflection of my me. I bring you high times with Icarus.


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NEWTON's HOME PAGE
Privacy Policy
Praying Mantis and Bees
Name: Jonatan Status: student Age: 20s Location: N/A Country: N/A Date: 2000-2001
A few weeks ago I found a praying mantis in the garden and have kept it since. I have been researching about them and found out they eat bees. Until now I have been feeding it flies and crickets, but there are a lot of bees and wasps outside. Is it safe to feed it bees? Or can the bee sting it?
Another thing, something really weird happened with the mantis. For some reason all of a sudden its wings curled up and the mantis got really sick. It stopped eating for about a week. A friend told me that maybe it ate a fly that had stood on some insecticide and that probably it would die. Now the mantis is eating again, but the wings are still curled up. I've been thinking that maybe its a vitamin deficiency or something like that. What could it be?
I can't answer your questions about exactly what a praying mantis can or can't eat, I think most any insect they can catch, or about it stopping eating and starting again. But you should not expect it to live very long at any rate, adults do not normally overwinter, like most all insects they have a short lifespan and in the wild will die in the fall after laying eggs.
J. Elliott
Hi Jonatan!
Praying mantis are carnivorous, so they eat insects. They have a frail and short life, so your mantis very probably will die soon. It could be that some insect you gave it was poisoned, we cannot be sure. But dear...a praying mantis is a very beautiful natural being, and it is not a pet...so do not take its freedom ever again, I beg you.
And thanks for asking NEWTON!
(Dr. Mabel Rodrigues)
Click here to return to the Zoology Archives
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Update: June 2012


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Thu, Oct 18, 07 at 18:08
Where exactly are the seeds located and what do they look like? Thanks in advance!
Gladys |
Follow-Up Postings:
Hi Gladys, The seed site has a pic, not the best, but better than nothing : ) Remy |
Here is a link that might be useful: Seed Page with Chrysanthemum
- Posted by poisondartfrog (My Page) on Sat, Oct 20, 07 at 11:01
If you are referring to perennial Chrysanthemum indicum (cushion, football, spider mum types), after the flower head dries up, carefully remove the petals. Any seeds will be in that central core that remains. Seed production in some hybrids is nil or minimal. If you are successful in collecting seeds expect the offspring to be variable. The seeds for these types is much smaller than depicted in the above link showing annual C. coronarium. |
- Posted by ladygladys z5 Upstate NY (My Page) on Sat, Oct 20, 07 at 14:53
poisondartfrog, I got a little pot of mums from Walmart. The little tag it came with says Perennial Tabitha Garden Mum. Thank you both for the info! Gladys |
- Posted by poisondartfrog (My Page) on Sun, Oct 21, 07 at 7:49
That is a pretty one, but I don't expect you will find any seeds at all. Division is likely your best bet if you want to increase it. |
Garden mums take quite a while to form their seeds....I usually collect them in December once the plant has gone brown. Winter sow them and you might be pleasantly surprised by a new and exciting color....they bloom first year from seed. The seeds are very small so just collect the whole head and crumble on the pot of moist soil... |
- Posted by ryguy319 5b (firstname.lastname@example.com) on Fri, Oct 3, 08 at 12:11
Ok I have a question I just bought a Pot Mum name of it is Pelee and it's not hardy for my zone 5b either it is hardy at zone 7a but even if it was I was thinking I'd like to collect the seeds from it. This is a not a garden mum it looks alot like a daisy but the coloring in this one is gorgeous I wish I could post a pix of it but don't know how. Anyway I was wondering if anyone knew if these will produce seeds also do they have to be visited by bees to produce seeds or do they just have seeds as long as they have blossoms if so I hope to have alot of seeds it is really in bloom. I think it would be hard for it to be pollinated at this time of the year by bees it is rather cool outside and I bring it in at night just because it has been getting down into the 40s and 30s at night. Does anyone know should this produce seeds. |
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Haggen Sponsors Walk MS Fundraiser for the National Multiple Sclerosis Society
Press Releases
As Presenting Sponsor, Washington grocery chain is the event's largest supporter in the state
March 25, 2013 • Bellingham, WA
BELLINGHAM, Wash. — March 25, 2013 —For the 16th consecutive year, Haggen, Inc. is partnering with the National Multiple Sclerosis Society as a sponsor of the nonprofit's annual Walk MS fundraiser. Haggen is the event's largest corporate supporter in the state through the organization's Greater Northwest Chapter, which serves more than 12,000 people with multiple sclerosis living in Alaska, Montana, Central and Western Washington.
This year marks Haggen's fourth as presenting sponsor of the National MS Society, Greater Northwest Chapter's Walk MS events in Washington. During the company's 16 year involvement with the National MS Society, Haggen has raised and donated over half a million dollars in support of people living with MS in the communities they serve.
Haggen also provides direct support for two local walk events: the Bellingham Walk MS on April 13, 2013, and the Seattle Walk MS on April 14, 2013.
"Multiple sclerosis affects more people in the Pacific Northwest than almost anywhere else on earth. We are committed to helping the National Multiple Sclerosis Society raise funds so that they can achieve their goal of creating a world free of MS," said Clement Stevens, Senior Vice President of Merchandising at Haggen, Inc. "We hope our shoppers also help support Walk MS by buying a Walk MS 'foot' and reusable bag, or by participating in one of the walks."
"Haggen is an incredible community partner, and we are honored to have their support again this year," said Patty Shepherd-Barnes, Chapter President of the National Multiple Sclerosis Society, Greater Northwest Chapter. "We appreciate the outstanding efforts of the crew members at each Haggen and TOP store every year, and how they inspire their customers to support our work. We are truly grateful."
From March 27 to April 13, shoppers at all 24 Washington Haggen and TOP Food & Drug stores can support the Greater Northwest Chapter of the National Multiple Sclerosis Society by making a donation during check-out to receive a paper Walk MS "foot" that will hang in the store with the donor's name listed. In addition, shoppers may purchase limited-edition, reusable Walk MS bags in support of the organization.. Individual stores will hold separate fundraising events, such as hotdog feeds, car washes and recipe contests. In 2012, Haggen raised $50,000 for the organization through the "foot" donations and other fundraising activities.
On Saturday, April 13, the Haggen store at 2814 Meridian Street in Bellingham will serve as the starting point for the 1.75-mile-long Bellingham Walk MS. The Seattle Walk MS, which takes place Sunday, April 14, is four miles long and starts at the University of Washington. Registration for all Walk MS events is available online.
In 2012, Washington Walk MSevents attracted over 9,000 participants and raised more than $1.6 million for the National Multiple Sclerosis Society.


text: | Dáil Éireann - Volume 537 - 30 May, 2001 Written Answers. - Price Controls. Mr. Currie Mr. Currie 109. Mr. Currie asked the Tánaiste and Minister for Enterprise, Trade and Employment the action she intends to take to control the price of food given that a cabbage in a supermarket in west Dublin (details supplied) increased from 34p on 25 March 2001 to £1.29 on 10 May 2001; if she will seek an explanation for such price increases; and if she will make a statement on the matter. [16332/01] Mr. T. Kitt Mr. T. Kitt Minister of State at the Department of Enterprise, Trade and Employment (Mr. T. Kitt): I do not intend to introduce statutory price controls in relation to food. Informed consumers, driving competition in the marketplace by shopping around for best value, provide the most effective guarantee against any unwarranted increase in prices. Dáil Éireann 537 Written Answers. Price Controls. Questions 20010530 | ||||||||||||||||||||||


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MINNIE MOUSE Look and Find Book
Where's Minnie? Follow Minnie from the library to the beauty salon and even a furry and frantic pet show in eight super-busy illustrated scenes and challenges where you can help her with your Look and Find skills!
Available at Disney Store
Suggested Retail Price: 8.50


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Resources for "A Server (Almost) of Your Own"
Some of the code was formatted incorrectly in George Belotsky's "A Server (Almost) of Your Own" in our December 2006 issue. For the corrected version of the article, please see: /article/8337
This page contains updates to the article, as well as some important security information for running your VPS.
Thanks again to Sean Reifschneider, Evelyn Mitchell and the rest of the Tummy.com crew for their very helpful suggestions and for letting me use their equipment once more, to test the updates presented here.
While you can still get a VPS based on Fedora Core 3, the system used for the article, you may want something more recent. For example, CentOS 4.4, which derives from Red Hat Enterprise Linux, requires only minor deviations from the directions in the article text. The CentOS project home page is at www.centos.org.
The following notes update the instructions from Fedora Core 3 to CentOS 4.4. Tummy.com offers both variants, as well as several others, including Ubuntu and Debian.
When you configure the firewall with system-config-securitylevel-tui, the text-based GUI may not render correctly in your terminal. If this makes it difficult to use the application, try running the terminal program with the UTF-8 character encoding.
For example, xterm -u8 should launch a UTF-8 xterm. In gnome-terminal, select Terminal→Set Character Encoding→Unicode (UTF-8) from the menu bar in order to enable UTF-8.
You will need to update the last two lines of Listing 1, as the Postfix mail server version has changed. Here is the new code.
sample_directory = /usr/share/doc/postfix-2.2.10/samples readme_directory = /usr/share/doc/postfix-2.2.10/README_FILES
Note that the sample_directory parameter is obsolete since version 2.1 of Postfix.
When testing your mail server by telnetting to port 25, you may find it blocked by your local ISP. Many DSL and cable providers do this now.
It is quite simple to configure Postfix so it listens on a non-standard port, such as 10025, in addition to port 25. Edit the file /etc/postfix/master.cf. Note that this is not the main.cf file that you worked with in Listing 1. Near the top, you will find the following lines:
# ======================================================================= # service type private unpriv chroot wakeup maxproc command + args # (yes) (yes) (yes) (never) (100) # ======================================================================= smtp inet n - n - - smtpd
Add the following line, after the "smtp" line.
10025 inet n - n - - smtpd
Next, restart Postfix: /etc/init.d/postfix restart.
Finally, re-run the system-config-securitylevel-tui utility as described in the article. On the "Customize" screen, add 10025 to the "Other ports" text box. If there are other entries in this textbox, scroll to the last one, add a space, and make the new, additional entry. "OK" your changes and restart iptables, as discussed in the article.
From your workstation, you can now telnet to port 10025 on your VPS instead of port 25, to carry out the tests described in the article. After sending these hand-generated test messages, remember to check the Spam folder at the receiving end. Unusual formatting, such as the lack of a subject, of these e-mail messages may cause them to be flagged as junk.
While on the subject of spam, the problem is getting worse, as you probably know. Listing 1 in the article uses luser_relay to deliver mail for unknown recipients to a specific user on the system. This is very convenient, because you can just invent e-mail addresses, and they will work without any configuration changes.
Unfortunately, luser_relay may expose you to a lot more spam. If this happens, you will need to add all your legitimate addresses to /etc/aliases and comment out luser_relay. The article text describes how to work with /etc/aliases.
When setting up Dovecot to provide POP3 and IMAP service, the newer configuration file may look a little different.
In CentOS 4.4, the default configuration has the protocols line commented out. It is also changed from what appears in the article text:
#protocols = imap imaps
Do not be confused by these minor differences; just add the code as described in the article: protocols = pop3 imap in this case. Dovecot will still work correctly.
As Linux continues to play an ever increasing role in corporate data centers and institutions, ensuring the integrity and protection of these systems must be a priority. With 60% of the world's websites and an increasing share of organization's mission-critical workloads running on Linux, failing to stop malware and other advanced threats on Linux can increasingly impact an organization's reputation and bottom line.
Sponsored by Bit9
Most companies incorporate backup procedures for critical data, which can be restored quickly if a loss occurs. However, fewer companies are prepared for catastrophic system failures, in which they lose all data, the entire operating system, applications, settings, patches and more, reducing their system(s) to "bare metal." After all, before data can be restored to a system, there must be a system to restore it to.
In this one hour webinar, learn how to enhance your existing backup strategies for better disaster recovery preparedness using Storix System Backup Administrator (SBAdmin), a highly flexible bare-metal recovery solution for UNIX and Linux systems.
Sponsored by Storix
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Editorial Advisory Panel
Thank you to our 2014 Editorial Advisors!
- Jeff Parent
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text:
Select () or exclude () categories to narrow your recipe search.
As you select categories, the number of matching recipes will update.
Find exactly what you're looking for with the web's most powerful recipe filtering tool.
Sort by: Date | Rating | Most Helpful
"Although I cannot eat sugars...my family loved these rolls!! I have always made a form of cin rolls, but this recipe was the best dough that I have used. The dough was more like a sweet dough. I did use real butter instead of the Marg. (Afterall..if you are going to gain weight...might as well do it the old fashioned way :-) And I used more fill..."


text:
My team got some trouble tickets from the customer. The team lead assigned a high priority problem to me. I studied the error messages. Then I took a look at the code. I deduced that if all was set up correctly, there was only one way these errors could occur. I sent directions to the customer on how to reconfigure to avoid the error. Then I got tasked with helping out another team.
My recommendations were met with a lot of resistance from the customer. They questioned my logic. And they were not happy with my recommendations. The top manager from the customer organization asked me to investigate further. Then the top manager from my company told me to get busy on this.
Luckily I had finished helping that other team. I decided to not take on any other work while I worked this top priority problem. I looked deeply at the examples from the customer. I traced each SQL statement with the data from the production database. That's when I spotted some bed setup data.
My failure was that I assumed all the setup data was correct. Incorrect assumption. I also did not spend enough time on analysis because I was busy. Error number two. Now armed with the full picture, I can address the customer problem. Although they were unhappy with my first attempt, I am sure they will be relieved when I correct the underlying problems.
I have been reading about the OWASP Top 10. Apparently they are a list of
common web security breaches. There seems to be a new list each year.
Figure I h...


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Lena Lemon and Ken Schwartz are the owners of the new Crossover Cutters at 5620 Gulf of Mexico Drive, the former location of Manny's Barber Shop and Boone's Barber Shop.
Lemon and Schwartz recently moved to the area from Kalamazoo, Mich. Lemon provides men's and women's haircuts, including razor-cutting and coloring, while Schwartz focuses on traditional barbershop services.
According to Schwartz, he and Lemon named the business "Crossover Cutters" in part because they are crossing over, offering hairstyling in what used to be solely a barbershop.
Hours are 9 a.m. to 4 p.m., Monday through Friday, and 9 a.m. to noon, Saturdays. Walk-ins are welcome, and appointments are available outside of normal business hours. Crossover Cutters also will make house calls for homebound customers.
In their free time, Lemon and Schwartz play in Crossover, a Christian band that they hope to expand.
"It's a crossover between different musical backgrounds," Schwartz said. "Lena is more jazz and rock, but I'm more country/folk rock."
Contact Robin Hartill at email@example.com.
Currently 0 Responses
- Feb
8 Sarasota Music Half Marathon
7:00 am - 6:00 am - Feb
12 Longboat Key Chamber of Commerce Networking Luncheon
11:30 am - 1:30 pm - Feb
14 New Exhibit "Oh Baby" Life Cycles of the Seas
10:00 am - 5:00 pm - Feb
17 Hospitabull Evening 'A Taste of Israel'
6:00 pm
Gauls celebrate sweet 60
On Jan. 29, Jack and Joan Gaul will celebrate their 60th anniversary. -
Dora Walters goes by the book for readers
You saw her byline countless times during her 26 years at the Longboat Observer, but now, retired Senior Editor Dora Walters' byline appears on her new book, "Rewind…Playback: A Collection of Life's 'Little' Memories." -
Encore opening celebration
Members of the Longboat Key Chamber of Commerce gathered for a ribbon-cutting event Jan. 20, at Amore by Andrea.


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Version and / or Patch Used: 3.0 Technical Preview
Developer Homepage: http://crystalmark.info
Product Homepage: http://crystalmark.info/software/CrystalDiskMark/index-e.html
Download here: http://crystaldew.info/category/software/crystaldiskmark
CrystalDiskMark is a disk benchmark software that allows us to benchmark 4K and 4K queue depths with accuracy.
Key Features:-
* Sequential reads/writes
* Random 4KB/512KB reads/writes
* Text copy
* Change dialog design
* internationalization (i18n)
Note: Crystal Disk Mark 3.0 Technical Preview was used for these tests since it offers the ability to measure native command queuing at 4 and 32.
In CDM we recorded nearly identical performance as the OCZ Vertex 3 240GB. Both drives share the same controller and same Intel 25nm NAND flash, so this wasn't a big surprise. The two drives when tested used different firmware.
The newer firmware on the S511 allowed the ADATA drive to outperform the OCZ Vertex 3 240GB. This is an area where SandForce is making strides to increase performance.


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The Camping and Caravanning Club
Follow us...
Search the camping and caravanning website
You are here: Home > News and Events > What's On > Arcturus Books
Find nearby campsites
When: 01 Jan - 31 Dec 2014
Opening hours: 9am-5pm
Website: Visit website
There is no place like a bookshop. Whether you are browsing for a bargain or searching for that elusive literary treasure, what better way to lose an hour or two than browsing among the shelves?
Behind the red brick Georgian frontage is what might be the largest stock of reading materials outside London dedicated to the mind, body and spirit. Regular visitors regard the shop as a calm and peaceful haven.
Venue address
Venue contact details
Tel: 01803 864363
Email: email@example.com
Event details can change.
Please check with the organisers that the event is happening before making travel arrangements.


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Place an advert
Buy a photo
Local Projects
"But yet the billions being spent on HSR up north aren't poor value for money!!!!!! The new route isn't about journey times, it is about..."
"I have spotted Leigham Rymes, The Mutley Crew and The Hooe!!"
"The polar bear was in it's home habitat and was doing what was natural to it. Don't go there to see them and then shoot them when something..."
"I'm not in favour of this signing at ll, but my word, I will have him any day over Jake "jellyhands" Cole. I would have Stevie..."
"The reason this road floods is due to rain water and lack of drainage. Not because of sea water!!!!!!"


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President's Testimonies
Contact Us
If you would like to contact the Office of the President, please call 212.237.8600
- "Understanding the Public Health Challenges in the Era of Mass Incarceration" - Keynote Address at the Fifth Annual Academic and Health Policy Conference on Correctional Health in Atlanta, GA (2012).
- "Summoning the Superheroes: Harnessing Science and Passion to Create a More Effective and Humane Response to Crime" - Keynote address delivered at the 25th Anniversary of the Sentencing Project at the National Press Club in Washington, DC (2011).
- "Youth, Race and the Justice System" - Keynote address delivered at the New York City Family Court and New York State Child Welfare Court Improvement Project conference in New York, NY Law School (2011).
- "Reflections on Juvenile Justice Reform in New York" - Keynote address delivered at the Diane Abbey Law Center for Children and Families conference in New York, NY Law School (2011).
- "Rethinking Prison Education in the Era of Mass Incarceration" - Keynote address delivered at the University Faculty Senate Conference on Higher Education in the Prisons in New York, The Graduate Center (2011).
- "What Works' for Successful Prisoner Reentry" – Testimony before the U.S. House of Representatives Committee on Appropriations; Subcommittee on Commerce, Justice, Science, and Related Agencies given on March 12, 2009 in Washington, D.C.
- "New Strategies for Combating Violent Crime: Drawing Lessons from Recent Experience" – Testimony before the U.S. Senate Judiciary Committee on September 10, 2008 in Washington, D.C.
- "Higher Education" – Testimony before the New York State Senate Committee on Higher Education on May 1, 2007 in Albany, NY.


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My Profile
Whitestone, New York
Member since Mar 2007
Flag This ProfileFlag as Inappropriate
Reviewed Breakfast Bread Pudding
Jan 28, 2011 in Food Network Community Toolbox on FoodNetwork.com
"I make this bread pudding all the time. We love it for breafast and light dinner. I don't put orange zest, I think it overpowers everything else,and put milk instead of cream. Use Challah loaf instead of briosh and you have a healthier version that is just as deliscious. We eat a lot of it, so need to make it healthier....:"


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History to a Tee Encourages Kids to Choose Positive Role Models
Whenever people talk about the decline of modern society, somebody will inevitably point out that our kids tend to worship people who are famous for all the wrong reasons.
Their heroes are reality TV stars who make headlines for getting arrested, athletes who lose their medals for testing positive for performance enhancing drugs, and rap musicians who create music that disrespects women.
If you want to encourage your kids to choose positive role models, I urge you to check out the History to a Tee website.
History to a Tee was created by two moms who wanted to provide their children with a way to show their appreciation for some of history's most influential people. They created a line of children's t-shirts representing various historical figures.
Each t-shirt features a drawing of the historical person and a description of what they did. The bold colors and fun font choices make these shirts almost look like tees from your favorite band.
The History to a Tee lineup includes shirts representing people such as Abraham Lincoln, George Washington, Rosa Parks, Helen Keller, Frida Kahlo, Thomas Edison, and Charles Darwin.
I love that the company has chosen to offer both male and female heroes from a variety of fields. I know my son would enjoy a Charles Darwin shirt, since he is very much into anything that has to do with science.
At this time, History to a Tee only sells t-shirts for children. I would love to see this company expand to offer hoodies and items for adults. There are several designs I want to buy for myself, especially the Frida Kahlo shirt.
What do you think of History to a Tee? Would you buy one of these shirts for your child?
Photo credit: History to a Tee


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I'm trying very hard to find a good tile to go with my kitchen. I wanted to get rid of the vinyl floor and put down some decent tile without turning the whole thing into an eye sore. Also to not break my wallet in the process. Can you please help with what would you do? |
Follow-Up Postings:
I kind of like your vinyl floor. Why not play keep it if it's good shape and play up the whole retro theme. Replace the stools with those ribbed chrome ones and upholster with red vinyl, and paint your chairs shiny black with a fun black red, and white large scale floral print from the 80's on the seats. You can also replace the chairs with molded plastic ones from that era. IKEA has some that aren't expensive, and add a print seat cushion. You can add matching or coordinating curtain panels on either side of your window to also add color and pattern. I would replace the dining table with a glass top over a polished chrome base. If you have the storage room, you can replace the doors on the cabinets on each side of the range with glass doors and have brightly colored dinnerware there. Just have the doors you have routed. You have so many retro elements already I would add more and make it like you mean it, and go with a fun look. |
- Posted by palimpsest (My Page) on Wed, May 22, 13 at 12:51
You could also do black and white or black and grey checkerboard. |
If you did not want to go the retro route, Emser has some nice grey toned 12x36 through body planks that look quite nice when laid in a brick pattern. It provides some visual interest and is considered a very updated look. |
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Simon Ball
About me
I'm a middle aged bloke, married with one daughter at university and a bunch of like minded middle aged pals. A former editor, copy writer and corporate PR manager, I'm now determined to grow old disgracefully getting around all of those places that I should have been to as a student, but never had enough cash for until today. I like art, culture, food and rock n roll. I have been around the globe, swam with dolphins, watched the Sun set and rise over Uluru, been caged with wolves, kissed by a super model and licked by a lion. Hear me roar!
I have been appointed by the Simonseeks editorial team as a community moderator, to review and rate guides on a regular basis.


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Last updated at 5:32, 26 Dec 2014 Uploaded at 0:54, 9 Feb 2013
ATTENTION: While I reserve the right to delete off-topic comments and trolling from my threads, I WILL NEVER BAN ANY USER FROM ACCESSING ANY OF MY FILES, NO MATTER WHAT THEY POST IN THE COMMENT THREAD. THERE ARE NO EXCEPTIONS TO THIS RULE.
"Engine bugs? What're those?"
What it does:
You've hit this bug, even if you don't know it. Every time you went to a place after the cell was supposed to reset, and wondered "hey why haven't those plants respawned yet?" it's this bug. When you go to Solitude and you see those Nightshade there and then you go grab a cup of coffee and come back and restart the game and they're gone, it's this bug. FloraRespawnFix.esp fixes this bug.
See, since the 1.3 patch there has been a bug in the Skyrim engine that it can't 'remember' that plants, mushrooms, nests, and some salmon have respawned, after you reload a save. So you might go to a place again, see that everything is as it should be (i.e. has respawned), then if you save and reload... poof! it's gone. You have to wait for the cell to reset again. You might not notice it unless you look for it, but I've seen it explained as "oh plants take 30 days to respawn" (they don't, they would normally respawn when the cell they're in resets - like anything else), or that certain plants just don't respawn (they all should), or whatever. Nope, bug. Most players have just gotten used to it.
Well, they don't have to get used to it anymore. This mod can't directly fix Skyrim.exe, but it can alter how these flora and fauna are processed by the executable, such that they are no longer affected by the bug.
Flora Respawn Fix thread on the Bethesda forum site
Many thanks to zilav for doing the work on TES5Edit, and DayDreamer (wasite?) for suggesting it to him in the first place (and doing heaps of testing, and letting me know about it). More of their effort and time went into 2.0 than my own. Thank you.
Place the contents of the archive in your Skyrim/Data directory. Works with Nexus Mod Manager.
Don't clean this mod. It isn't needed, and TES5Edit will break it if you do.
Don't use 1.x, as there are apparently some bugs which were causing crashes for some users. I'm not supporting 1.x anymore so those bugs won't get fixed - if you're still using 1.x you should upgrade.
Most things will be compatible unless they edit base FLOR and TREE records. In particular, mods that place new instances of vanilla flora, or move existing ones around, are compatible.
Q: What's with 2.x?
A: These use a (for now) hacked version of TES5Edit to add VMAD entries to TREE objects in the plugin. This is not supported by the CK, and it isn't supported in TES5Edit either. So, they are a bit hot-wired. They were in beta for two months though and people seem to like them better than the 1.x ones.
The upshot, is that they don't contain any world or cell edits. And, since they keep the original TREE objects in the game, the often-subtle wind animations are back. They are backward-compatible with the 1.x versions, although on existing games the animations will not come back from harvested objects until you harvest them once. Other than that, you should be able to upgrade seamlessly to 2.x if you like (just don't downgrade back to 1.x after you do).
In addition, since cell and worldspace edits are no longer necessary, this mod is now automatically compatible with new lands mods which use unplugged TREE and FLOR objects (e.g. Falskaar). Mods which add new TREE and FLOR harvestables will need to provide their own compatibility patches to fix the respawn bug. I will not make such patches - that is up to the author of that mod.
Q: Should I use the Convenient Horses Compatibility Patch with 2.0?
A: On existing saves where you upgrade to 2.0 you should continue to use it. On new games you don't need it.
Q: Will this mod wreck my save, increase file size to absurd levels, hurt performance, and otherwise ruin my day?
A: Probably not, although some caution is required. Once you start using this mod, it is unwise to uninstall and continue on after that. At a minimum, all the plants you have harvested will vanish from the game, never to return. Mushrooms, nests, and some salmon may also display odd behavior. This mod alters in a very fundamental way every plant object in the game. As such, you should play around with this mod a bit, make sure it's right for you, then commit to using it for the rest of that game (I can't imagine why you wouldn't). If not, revert to a save from before you started using this.
Q: Okay great but what about performance?
A: Oh, right. My testing has shown no performance impact in using this mod, that I can tell (I have a good computer, but it is not the latest and greatest by any stretch). Your save size will increase by approximately 5KB for each flora or fauna you harvest until that object respawns at which point the game will reclaim the space. This could become noticable if you harvest a lot of things in a short period of time.
Q: Will this mod fix stuff I've already harvested?
A: YES, but you have to help it do that a bit. When you reenter an area and you see that everything has respawned, HARVEST IT ALL WITHOUT RELOADING A SAVE. Only when you're sure you've gotten everything will it be safe to save your game and exit. The script that fixes things won't kick off until you harvest the item, so if you save and reload before that, Skyrim.exe is going to forget it respawned.
2.1.2 - Smoothed out a few conflicts with recent versions of USKP.
2.1.1 - Corrected an issue where sometimes references in the world would not be cleaned up completely until the player harvested them again.
2.1 - Merged all plugins into a single ESP. NOT BACKWARD COMPATIBLE with previous versions. Only use on a new save or a save that has never seen ANY previous version of Flora Respawn Fix before.
2.0 - Updated to use an alternate method to force the respawn. Brings back the animation on some flora (flowers, etc.). No worldspace or cell edits, so much better compatibility with other mods. BACKWARD COMPATIBLE with 1.x - nothing is required to upgrade, just drop it in. Things you already harvested with 1.x will need to be harvested again before the animation comes back.
1.x - Various updates here to incorporate USKP placement and other fixes.
1.0 - Initial release.


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Update: European weekly maintenance: 3rd June 2009
So during the maintenance tomorrow, we will not only be getting patch 3.1.3, various battle groups will be shoved together and renamed.
- Bloodlust (hey that's me) and Cataclysme will become Cataclysm/Cataclysme
- Cyclone and Todbringer will become Cyclone/Wirbeisturm
- Conviction and Raserei will become Frenzy/Raserei
- Rampage and Ferocite will become Rampage/Saccage
- Reckoning and Verderbnis will become Reckoning/Abrechnung
- Ruin and Glutsturm will become Emberstorm/Glutsturm
- Vengeance and Schattenbrand will become Vengeance/Rache, and finally
- Sturmangroff and Represailles will become Sturmangriff/Charge
So while you're waiting for all this to happen, there's plenty to do. We've got patch notes for 3.1.3, there are the new Tauren kitty forms to drool over and you could even download the Battle.net authenticator app from EU iTunes stores. As usual one of my American colleagues - this week Alex Z. - has compiled a fun post to read that rounds up all the interesting tidbits which have been happening for your amusement to tide you over until the servers pop back up.
UpdatE: Maintenance has now been extended to 1pm CEST.
Filed under: Patches, Odds and ends, Blizzard, Account Security, Europe


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▪ Industry Analysis, Statistics, Trends, and Forecasts
▪ Financial Information and Financial Ratios
▪ Compensation and Salary Surveys
▪ Business Valuation Resources
For resource guides specific to other industries, see our index which lists resource guides by SIC code for over 400 industries.
Industry Analysis, Statistics, Trends, and Forecasts
Comprehensive research reports provide in-depth industry analysis and five-year growth forecasts, with special focus on the underlying structure and external forces and relationships that affect industries and their performance. Report contents include:
First Research profiles cover key aspects of an industry's size, scope, and operations, recent news and developments, business challenges, issues, trends, and opportunities, and include a five-year revenue growth forecast. Profiles are updated quarterly and include:
Investing in Radio® Market Report http://www.bia.com/ Quarterly investment reference guide provides a market-by-market analysis for all Arbitron-rated markets, with information provided including market map and population, metro area rank, advertising revenue rank, five-year historical and forecast revenues, demographic and economic review, demographic breakdown, and a summary of the stations located in the market. Sample pages from guide can be viewed online.
Investing in Radio® Ownership Report http://www.bia.com/ Annual information guide profiles commercial stations by owner for all Arbitron-rated markets, with information provided including Arbitron market and rank, station technical attributes, station acquisition information, programming format, estimated station revenues, estimated owner total revenues, ARB 12+ metro shares, and owner contact information. Sample pages from report can be viewed online.
Industry statistics available in this market analysis include total number of companies, total annual market volume and sales trends, average company sales and sales per employee, staffing and employment trends, business start up activity and failure rates, and other business statistics on a national, state, metropolitan area, county, and zip code level. Sample national and local reports can be downloaded and viewed online.
Financial Benchmarking Data
Five-year comparative financial statement analysis includes income statements with expense detail, balance sheets, cash flow analysis, and key financial and operating ratios, with detailed benchmarking data available by sales size range on a national, state, and metropolitan area level.
Financial information section of these profiles includes common-size income statement and balance sheet data and key financial ratios for the most recent annual reporting period, with average financial measures reported for all companies and by sales size range for small (under $5 million), medium ($5 million to $50 million), and large companies (over $50 million). Sample report can be downloaded and viewed online.
Compensation and Salary Surveys
Business Valuation Resources
BVMarketDataPrivate Company Sales TransactionsPratt's Stats® | BIZCOMPS®Free "Visitor Search" allows users to search private company sales transactions by business description for comparable business sales transaction data, including revenue, earnings, and EBITDA multiples.


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Phone: 708-485-3100
To offer the best service, you need the best equipment. We can provide the financing so your business can succeed. Take advantage of affordable monthly payments.
We have many products to help your business grow! Check out our Other Business Services for products such as Credit Card Processing, Merchant Capture and our Bank at Work Program. Plus, we have many Business Checking Accounts and Services, including Business Debit Card Rewards and Business Internet Banking.
The menus to the upper left will give you a good idea of ALL things we can offer you!


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Courtlands Hotel Brighton
19 The Drive, BN3 3JE Brighton, United Kingdom
Show map
This is what awaits you:
Our whole staff would like to enthusiastically welcome you to...The last booking was made more than 3 days ago from United Kingdom.
Hotel description Courtlands Hotel Brighton
Our whole staff would like to enthusiastically welcome you to the Courtlands Hotel Brighton.
Free parking is available at the hotel.
Make yourself at home
To reach your well-appointed room on one of the upper floors we recommend you to use the elevator. Within the hotel a lobby is included.
Further information on the hotel
Free Parking available for the hotel guests
Reception hours
Everyday 24 hours
Check-in time:14:00
Check-out time:11:00
Like this hotel?
Then save it in your bookmarks.
Show map
19 The Drive, BN3 3JE Brighton, United Kingdom
Distances (km)
City district (Hove) | 0.16 |
Airport (London Gatwick Airport (LGW)) | 35.54 |
Airport (London Heathrow Airport (LHR)) | 74.26 |
Airport (London City Airport (LCY)) | 76.82 |
To reach the hotel
Starting point:
Taxis are recommended. Driving directions to The Courtlands from London Gatwick Airport 1. Head southwest toward Ring Rd N 0.1 mi 2. Exit the roundabout onto M23 0.8 mi 3. At the...
For HOTEL INFO guests
Free internet terminal
Parking spaces at the hotel
Hotel features
- Single rooms: 6
- Double rooms: 30
- Lobby
- Lift
Accepted credit card payments
- Visa
- MasterCard
- AmericanExpress


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Helping students gain understanding and self-confidence in algebra.
Skip to content
by isaiah45798 on Mon Jul 18, 2011 7:31 am
by Martingale on Mon Jul 18, 2011 5:07 pm
isaiah45798 wrote:how would i evaluate f(x+h)-f(x)/h and simplify if f(x)=x^2-2x. Please help.
by isaiah45798 on Tue Jul 19, 2011 2:53 am
Return to Calculus


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Digital Tools. Real Change.
From grassroots to netroots, our team's experience bridges the real and virtual worlds. We specialize in leveraging online strategy into offline action.
We provide strategic counsel to our clients. We don't reduce, reuse and recycle our old campaigns and tactics. We treat every one situation as it should be: unique and requiring our full attention.
We are how we define ourselves: the pursuit, possession and application of people power, on and offline. The public relations space and communication frameworks are rapidly changing.
Through real-time digital public relations, we will mobilize your networks to get your message out. We don't have gimmicks or empty promises. We solve problems.
realpolitech (n.): the pursuit, possession and application of people power, on and offline.


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What do you want to be? You pick. It can be ANYTHING. As as long as there's a market for it. And as long as it pays well. Oh, and don't forget health insurance.
Taking all of that into consideration, the options are nearly limitless. Unless of course you have a family and you're over thirty. Cause then you're stuck. You might as well put everything you have into yours kids and hope they do better than you did.
People don't really talk like that but they might as well, right?
I recently had the privilege of reading an advanced copy of Building a Life Out of Words by Shawn Smucker. Thank goodness he didn't get the memo cause in it, he describes the very personal journey of following his heart's desire in a world that craves security. Yes, he's a full-time writer now, but he wasn't born that way.
As a matter of fact, just like the nest on the cover of his new e-book, living your dream is a messy business. It's pieced together with every little thing you can find. Every last dollar. Every spare minute. Every hope. All of the strength a man can muster. There is nothing held back or set aside.
Thanks for sharing your story Shawn! If I didn't already know you and Maile, I would want to.
Shawn Smucker blogs (almost) daily at http://shawnsmucker.com. He is currently traveling the country for four months with his wife and four children in a big, blue bus named Willie, looking for service opportunities as well as other writers to meet up with. You can find him on Facebook (Shawn Smucker, Writer) and Twitter (@shawnsmucker).


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Yuh have yuh owna mind and you nah quick fi follow Fred,
Fi go wear a color kerchief and tie up yuh head
from Notch – Nuttin No Go So Lyrics on Genius
He's saying think for yourself and don't don't be so fast to follow others and join a gang. "Kerchief is used as a reference to bandanas, which are used in gang culture.
To help improve the quality of the lyrics, visit "Nuttin No Go So" by Notch Lyrics and leave a suggestion at the bottom of the page


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Student Debt: Onerous for the young, a drag on society – and a major future problem
Summary: While the nation focuses on the concerns of old white people (which dominated the election), our young — our future — have different problems. Such as rising inequality of wealth & income. Starting different children at different rungs of the ladder generates positive feedback (like a pebble thrown down a rocky hillside, with the avalanche growing as it rolls down). Today we have the crack analysts of the Liscio Report look a rapidly worsening aspect of this national illness: rising student debt. Rising education costs block many from even getting on the opportunity ladder; large student loans will keep many on the lower rungs.
- "Student Debt: Onerous, and a Drag"
- About the Liscio Report
- More about student loans
- For More Information
(1) "Student Debt: Onerous, and a Drag"
From The Liscio Report, 20 May 2012.
Reposted here with their generous permission.
We have heard from a number of sources that researchers at the New York Federal Reserve Bank are worried that without some form of mortgage debt relief we may face a crisis in a couple of years that eclipses the one that took place in 2008. In line with such worries, the New York Fed has started collecting previously unavailable data on student debt, a form of indebtedness that's a major burden on the young, and also more of a macroeconomic drag than many analysts realize. Here are some details on all that.
Runaway Inflation
The rise in college tuition has been relentless, far outpacing the famous rise in the cost of health care (see graph, below). Since 1980, the overall CPI is up 194%. Its medical care component is up 436%, more than twice as much. But its college tuition component is up 829%, more than four times as much.
It's hard to put a finger on just what drives educational inflation. No particular category of spending is rising out of line with the averages, though contacts at a number of institutions point to a great fondness for building fancy new buildings, many of them financed with bonds secured by supposedly ever-rising student tuition and fees. This is how NYU, with its relatively small endowment, is financing its grand expansion plans in lower Manhattan. Faculties of both the business school and economics department have filed objections, citing a fearsome growth in leverage. Similar things are going on in public systems, like the University of California's, despite continued reduction in state financing.
Instructional budgets have remained at a stable 33% of spending for the last decade, even as student/teacher ratios have fallen. The reason that those ratios could fall while the instructional share of budgets has been stable is that universities have squeezed on labor costs. To start with, the composition of faculties has changed markedly — from nearly 80% full-time in 1970 to about 50% today. Over the last decade, student enrollment is up 38%; full-time faculty is up 23%, and part-time is up 63%. But the full-time faculty haven't been raking it in. Tuition and fees have risen 82% faster than the salaries of full-time faculty since the early 1990s at private institutions, and 149% faster at public ones.
Burdens Shifting to Individuals
At the same time costs have been rising, state governments have cut back their support of public universities and colleges. Some major state universities now get less than 10% of their income from state budgets. As the graph below shows, the personal share of higher ed spending surpassed the state and local share about ten years ago, and the two lines continue to get farther apart. (This data, drawn from the national income accounts, stops in 2010. Given budget cutbacks since then, the gap has undoubtedly gotten wider.) The feds have kicked up their share, but nowhere near enough to offset the decline in the state and local share.
Of course, because of aid, not everyone pays the full published prices. According to the College Board, net costs of public institutions in 2008 were around 44% of household income for the poorest quartile of the population, 26% for the next-poorest, 19% for the second-richest, and 10% for the best off. That's a lot of money. And more of the aid, at least until very recently, has been coming in the form of loans rather than grants. In the 1970s, loans were 21% of aid; lately, the share has been 47%. Pell Grants, the major federal program, covered 45% of the average public university tuition bill in 1990; in 2011, it covered 32%.
The Great Recession had a major effect on college choice and financing. According to a Sallie Mae – Ipsos Public Affairs survey, college costs—actually paid, not sticker prices — came down in the 2010–2011 school year, especially for higher-income families. (It rose for the poorest quartile, though.) Students traded down, looking for cheaper options (many — at all income levels — shifted from four-year public to two-year public institutions), and grants and scholarships increased (led by increases in Pell Grants from the federal government).
More middle-income families applied for financial aid — the product, no doubt, of the recession's lingering hit to income and balance sheets. Middle- and high-income families increased their use of grants and scholarships, with both dollar levels and shares of costs paid rising over the last couple of years. More middle-income families are applying for aid, and they're still plenty worried about rising costs.
But a lot of college funds have to be borrowed. According to Sallie Mae/Ipsos, poor families paid 25% of expenses with borrowed funds in the 2010–2011 year. The share declines as you go up the ladder, but not as much as you might think: 22% for the middle ranks, and 17% for the best off. And the trend is towards increasing reliance on loans. In 1992, 32% of undergrads borrowed; in 2007, 53% did.
Heavy Debt Loads
The result has been a relentless increase in education debt. (See graph, below, for a yearly flow picture.) We don't know exactly how much it's risen, since there are no official sources of the stock of loans outstanding. A private researcher, Mark Kantrowitz, proprietor of a website called finaid.org, estimates that total student debt has risen from about $200 billion in 2000 to $1 trillion today, but he's stingy about disclosing his sources and techniques. While the trajectory is probably more or less right, we don't know for sure.
More recently, the New York Fed, using data gathered from the credit rating agency Equifax, has been publishing estimates of student debt, which are the closest to definitive we now have. The numbers are staggering. They estimate that as of the third quarter of 2011, total student debt was about $870 billion — more than credit card balances ($693 billion) and auto loans ($730 billion).
Just over 15% of adults have student debt balances. The mean balance is $23,300 — but that is pulled up, as most debt aggregates are, but a minority who are deep in debt. The median is only about half the mean: $12,800. A quarter owe more than $28,000, and 10% owe more than 54%.
Although almost all age groups owe student debt, the profile skews young: 40% of people in their 20s are on the hook, compared with just 7% of those over 40. But the numbers don't go to 0 with age: 5% of over-60s owe student debt.
And since the young have relatively low incomes — on which more in a moment — there's a lot of distress among the indebted. On the surface, about 10% of those with student debts are in arrears, roughly in line with credit card debt. But since many borrowers are still in school or just out, they're not yet expected to begin servicing their debts. Adjusting for that, the New York Fed estimates that more than a quarter — 27% — of borrowers have past-due balances.
That level of distress, combined with a still-lousy job market, means that today's young are having a hard time getting on their feet. A just-released survey of recent grads by the Heldrich Center for Workforce Development at Rutgers shows unrelated to their fields of study, and having a hard time making ends meet. Median student debt of recent grads is $20,000 — higher than the New York Fed's figure, no doubt because of the increasing prominence of debt finance.
And it's pinching their spending sharply: 40% have delayed the purchase of a house or car, 28% have put off additional education, 27% have moved back in with their parents, and 14% have delayed marriage.
And they have generally gloomy views of their future — personally and especially for their generation as a whole.
A Nonflattering Profile
One of the more established facts in economics is that people's incomes tend to rise with age to a peak around their early 50s, then decline into retirement and beyond. As with many established facts, recent economic history is challenging this pattern.
Graphed below is average household income in constant dollars by age of household head. In 2010, households headed by someone aged 15–24 had an income of $28,322, 15% less than their counterparts in 1970. All other age groups were better off than their predecessors 40 years earlier, though in general, the younger the cohort, the lesser the advantage. The 65+ set, though, was almost 80% better off than their 1970s counterparts. Today's young are about 20% worse off than those of 2000. Most other groups are 10–15% worse off than their counterparts at the century's turn.
That's not to say that older households are doing swimmingly. In fact, the 35–44s and 45–54s are also worse off than their 1990s ancestors. And economic progress over time is looking to have stalled for the middle ranks. While the 25–34 set in 2010 had incomes 42% above the 15–24 group ten years earlier (presumably, that is, mostly the same people), the 45–54 group was 8% worse off than that cohort was when they were 35–44, and the 55–64 group was worse off.
Only the elderly have been exempt from this stagnation/downward mobility. They're the only group whose incomes have risen consistently. But before one concludes that they're rolling in it, the average income of this cohort was $31,408 in 2010, 36% below the national average.
Amid shifting trends and uncertainty, one thing doesn't change: our young adults are our country's future. It's a good thing the NY Fed is paying attention to the burdens are best hopes are carrying.
(2) About the Liscio Report
— From their About page:
Here at The Liscio Report we do all our own research and writing, do not manage other people's money or receive any form of commission, and are beholden to no one but our subscribers and ourselves. We bring fresh perspectives to the data we analyze and are confident taking positions contrary to consensus when our proprietary data tells us to do so.
Our insights are regularly picked up in Barron's, CNBC, and other publications. Additionally, we make occasional television appearances (most recently on CNBC and Bill Moyers), and were ranked by MSN Money in the top five of their annual "Best of the Best" Awards.
John Liscio founded the Report in 1992. Philippa Dunne and Douglas Henwood were John Liscio's closest associates and, since John's untimely death in 2000, are honored to be carrying on the research techniques he pioneered.
Other notes at Liscio Report's blog:
- "Recent work on income disparity", 28 March 2012
(3) About student laons
(a) Student Loan Debt History, Federal Reserve Bank of New York
Student loan debt is the only form of consumer debt that has grown since the peak of consumer debt in 2008. Balances of student loans have eclipsed both auto loans and credit cards, making student loan debt the largest form of consumer debt outside of mortgages. Student loan borrowing and delinquency rates vary among age groups and over time. These interactive charts provides information by age group.
(b) "Grading Student Loans", Federal Reserve Bank of New York, 5 March 2012 — "To inform the public and policymakers, we devote this post to some new findings obtained from the FRBNY Consumer Credit Panel, a unique and nationally representative data set sourced from Equifax credit reports."
(4) For more information
(a) About the problems of American higher education:
- College education in America, another broken business model, 3 July 2009
- The secret about our universities (seldom even whispered among Professors), 5 July 2009
- Women dominating the ranks of college graduates – What's the effect on America?, 7 July 2009
- A better answer to "why women outperform men in college?", 8 July 2009
- Is a college education worth a million dollars?, 10 July 2009
- What should a student learn from college? Why go to college?, 1 November 2009
- News You Can Use to understand the New America, 14 March 2012
(b) Posts about inequality and social mobility: once our strengths, now our weaknesses:
- A sad picture of America, but important for us to understand, 3 November 2008 — Our low social mobility.
- America's elites reluctantly impose a client-patron system, 5 November 2008
- Inequality in the USA, 7 January 2009
- A great, brief analysis of problem with America's society – a model to follow when looking at other problems, 4 June 2009
- The latest figures on income inequality in the USA, 9 October 2009
- Graph of the decade, a hidden fracture in the American political regime, 7 March 2010
- America, the land of limited opportunity. We must open our eyes to the truth., 31 March 2010
- Modern America seen in pictures. Graphs, not photos. Facts, not impressions., 13 June 2010
- A pity party for America's rich and powerful, 8 September 2010
- Why Americans should love Tolkien's Lord of the Rings – we live there, 13 December 2011
- News You Can Use to understand the New America, 14 March 2012 — Articles about rising inequality
- The new American economy: concentrating business power to suit an unequal society, 27 April 2012
- Jared Bernstein examines the economic impact of raising taxes on high-income households, 30 April 2012
- Should we despair, giving up on America?, 5 May 2012
15 November 2012 2:13 pm
Just this week in the UK they have found that raising university fees has been a major factor in inflation rising. There is a good article on it on The Guardian website, "University tuition fee increase sends inflation back up again", available here: "University tuition fee increase sends inflation back up again", The Guardian, 13 November 2012 — "Spiralling university tuition fees and dearer food bills helped send Britain's annual inflation rate sharply higher last month"
Sam permalink15 November 2012 5:16 pm
Simple solution that will never happen: forgive the debt–jubilee. If it's owed to the US gov't, just write it off; the federal gov't is not financed the way a household is financed. This frees young people to earn, save, and invest within the productive economy. If it is private debt, give students a tax credit equal to the yearly amount owed on the principal of the debt. As for the interest on the amount owed, the gov't should tell the banks to shove it. The interest charges to students are unconscionable. The banks are getting all but free money and then screwing young people — and this in a depressed economy.
david j michel jr permalink15 November 2012 7:56 pm
hope and change,pull some more money off the Obama money tree! can you say bail out.
david j michel jr permalink15 November 2012 8:00 pm
in ca. jerry brown conned us with prop 30,it passed to fund education.then we find out it will go to pay existing bad stock market investments made by the university.
16 November 2012 2:03 pm
Hi Fabius, I think in a lot of cases they don't really believe the "facts" they quote. It's rare you can engage someone spouting bogus facts for long enough to see what they really think.
Some people if they have an agenda, whether naked self-interest or a moral agenda, believe that lies in the service of the agenda are acceptable. Occasionally, if you can get into a good debate with the factoid spouter, you'll find out:
- They don't really believe the propaganda they are spouting.
- Their real agenda.
Usually during such debates they abandon their first set of facts when they are proven false, but have another whole set of talking points they can shift to (sometimes they'll shift back to the original fake facts after enough time has gone by.)
They believe their real agenda is so important, that spreading black propaganda to support it is acceptable. The reason why they don't try to persuade with their actual agenda is often because it would be unpalatable (or even morally repulsive) to their audience. This quote by Lee Atwater is a very good example:
You start out in 1954 by saying, "Nigger, nigger, nigger." By 1968 you can't say "nigger" — that hurts you. Backfires. So you say stuff like forced busing, states' rights and all that stuff. You're getting so abstract now [that] you're talking about cutting taxes, and all these things you're talking about are totally economic things and a byproduct of them is [that] blacks get hurt worse than whites. And subconsciously maybe that is part of it. I'm not saying that. But I'm saying that if it is getting that abstract, and that coded, that we are doing away with the racial problem one way or the other. You follow me — because obviously sitting around saying, "We want to cut this," is much more abstract than even the busing thing, and a hell of a lot more abstract than "Nigger, nigger."
— Interview with Alexander P. Lamis (8 July 1981), as quoted in The Two-Party South (1984) by Alexander P. Lamis; originally published as an interview with an anonymous insider, Atwater was not revealed to be the person interviewed until the 1990 edition.
Thomas More permalink16 November 2012 3:03 am
FM's article on student illuminates a hugely important problem, and just one of the many looming bubbles threatening the U.S. economy (and our society). If you take a look at the chart of college tuition increase over the last 30 years, it's absolutely jaw-dropping. The rate at which tuition has increased over the past 30 years far outpaces the rate at which house prices increased during the real estate bubble from the 1960s-late 2000s.
As Herb Stein remarked, "Trends which are unsustainable tend to end," and this is certainly true of college tuition in America today. This trend is particularly poisonous since it poisons the very basis of American entrepreneurship — the ability of students fresh out of college to start a new business. Not an option if you emerge from college owing several hundred thousands in senior debt, which current draconian laws allow creditors even to garnish your unemployment or welfare payments to recoup (!) The 1998 change in bankruptcy laws which in effect makes it impossible for students to eliminate their tuition debt through bankruptcy is a stunning and hugely underrated cause of current financial turmoil.
Even more alarming: college tuition is just one of at least five bubbles in America, each one bigger and more unsustainable than the housing bubble of the 2000s.
We've got the college tuition bubble, the medical cost bubble (the problem here is that the underlying cost of American health continues to skyrocket at an unsustainable rate — and Obama's non-reform ACA does nothing about this problem, because the ACA contains no cost controls), the military bubble with limitless ongoing increases in the U.S. national security budget (last year Obama submitted a budget which froze all domestic spending except for the military, which got an 8% bump), the police-prison bubble with states continuing to go on a wild spending spree building vast new prisons and paying to incarcerate non-violent felons well into their 70s, and the surveillance bubble (the NSA is building a vast new data center in Nevada just to house all the millions of hard drives on which every American's emails and phone calls and text messages and bank records will be archived, even as NSA whistleblower William Binney claims that the NSA "already has a dossier on nearly every American citizen" — and we're already seeing the unintended consequences of this crazy out-of-control Orwellian surveillance state in the implosion of Gen. David Petraeus' career as a result of national security snooping into his gmail account).
The DHS headquarters is larger than the Pentagon — itself already the biggest office building in the world. America is pissing away its patrimony on these crazy bubbles, bankrupting itself in the process…and when these bubbles burst, boy howdy! There's going to be a financial upheaval the likes of which you can't imagine.
And yet, bizarrely, the recent presidential campaign mentioned essentially none of these bubbles. Not one.
Leper permalink16 November 2012 4:07 am
The tuition increases aren't buying anything of value either, instead they're padding the paychecks of the bureaucrats. Money can't be found for hiring additional faculty staff, but there's plenty to spend on marketing and (mis)management.
gaiasrequite permalink16 November 2012 4:17 am
The rising cost of university level education is a sad and will have irreversible effects on future generations. We exist in a period of time when, more then ever, a college degree of some form is necessary to be competitive in America's job market. Yet, unless you did the research necessary prior to choosing a degree, a job is not guaranteed. We have thousands of "college" educated citizens with out jobs, living with mom and dad, left paying loans by way of minimum wage jobs IF they were fortunate enough to find one. That said we have the even more dire situation of the hundreds of thousands of unskilled, uneducated, unemployed for whom the jobs are few and far between.
We have reached a point in our society when people must begin to realize that education is the most powerful weapon, and that without it we are all sitting ducks. I am utterly embarrassed when I look art the national statistics of standardized testing, to see where we, the most powerful nation on the planet, is placed.
If we, as a people do not begin to address the issues of poor education in this country, we WILL continue to see it slip further and further away until it becomes but a whispered memory of some past we wish we could return.
By taking from the "common folk" their ability to use their brains efficiently and effectively, those who seek to see a return to the time of King George, where they will be the new nobility, have won their ultimate goal. Keep them stupid and they can't fight back because they won't know how.
I am at a loss to begin to know how to fix this issue. But, I do believe it is one of our greatest challenges and the most important. If you or your children can not think, we can not effectively exist in a democracy!
16 November 2012 2:41 pm
"Yet, unless you did the research necessary prior to choosing a degree, a job is not guaranteed."
Even if you did a great deal of research into your chosen field, you still aren't guaranteed of a job. Having a bubble based economy means that this year's hot career option is next year's unemployable. Oh, and the malinvestment caused by bubbles means that other jobs, that might be more sustainable, will be unfunded.
Another problem is that the people who pay other people basically don't want to pay them anything. That's across the board too. If you can't demand decent pay because you have a rare skill-set that most people, in a global market, aren't capable of acquiring… learn to enjoy the taste of Ramen Noodles.
Oh and by definition, having a rare skill-set means that most people can't get decent jobs, those who do represent the lucky few.
Rosycurler permalink16 November 2012 2:59 pm
"….If you or your children cannot think, we cannot effectively exist in a democracy!" April 2012: CDC report for 2008: 1 in 88 children are now being diagnosed with autism. You might be interested in the vaccine injury cover-up. The US Vaccine Court secretively has been compensating vaccine-induced autism, calling it encephalopathy rather than autism.
"Are you tired of Federal officials covering up autism issues? Would you like to do something about it? Let's get a date scheduled for the autism hearing!
— SafeMinds websiteResponse to "Anti-Vaccine Proponents Claim Court Paid for Autism Cases", Letter from Robert Krakow to Robert Lowes regarding Medscape article
"Using word play to avoid the unpleasant association between vaccine injury and "autism" is not helpful to our children and evidences an institutional mendacity that ill-serves our nation's children."
An immunologist speaks Interview with PhD Immunologist, Dr Tetyana Obukhanych (link)
Please do not sit idle for the legal removal of all philosophical and religious vaccine exemptions in the United States of America.
gaiasrequite permalink16 November 2012 4:19 pm
I both agree and disagree with FM and pws. If you received a degree prior to the recession there is a chance that the jobs for that particular field have gone out the door. If you are working toward or received a degree in the last few years a little research into the job market will make your finding job placement easier. For example, someone who received a degree in women's studies two decades ago, would have found good employment because we were in an economy where many businesses looked for the four year degree but didn't necessarily need it to be specialized. However in today's economy the same does not hold true. So I agree that a degree will not guarantee a good paying job, but there are some degrees now that will guarantee you don't get a job.
My above statement was more to point out that when we remove the assuredness of good employment by way of college education, we will see college enrollment numbers drop. When that happens colleges will increase tuition fees to make up for the lost income; which will limit others from enrolling who may have with the lower tuition. Through this we begin the process of dumbing down society, and it is my argument that we cannot efficiently have democracy if our population continues to go down the road of ignorance.
On a side note to Rosycurler; there is a large debate about autism which questions the newly defined parameters of that disorder. It is similar to the ADHD debate in that, in today's medical field there are doctors who will make a diagnoses for increased revenue regardless of validity of their diagnoses. We are the most heavily medicated and diagnosed of the industrialized nations. My point here being don't believe every thing you read. A child who displays inverted characteristic traits is as likely to be diagnosed with autism as a child who actually has the disorder. This is more likely a explanation for the percentile increase then the data you provided.
guest permalink16 November 2012 4:45 pm
"this year's hot career option is next year's unemployable."
There is a clear "impedance mismatch" between the cycles of education and business. Whether one goes for a university education or an apprenticeship, the years spent in preparing oneself for the entry in the job market fundamentally commit a person to 40 years in the same domain, or in fairly closely related domains (a physician does not become a mechanical engineer or an agronomist mid-career, a car mechanic does not become a watchmaker or a tailor mid-career).
On the other hand, business cycles, technological fads, and even the longest-range planning by a corporation may swerve the demand for skills in completely different directions on a much shorter term — sometimes even shorter than the length of studies themselves.
The predominant thinking is that education is a market, where supply reacts to shifts in demand — but this is a warped view that does not take into account the considerable lead time and hysteresis of acquiring a reasonably complete skill set (long-term technological and economical changes, Kondratieff-like, are unavoidable, but they are of the same order of periodicity as the complete work career of an individual).
The inflation affecting tuition fees (on the grounds that a superior education is an investment that will anyway pay itself off in the job market) and masters programs (see the abundance of short-lived specialized masters programs to cater for the latest fad) are typical of this short-termist "market" fixation. The result is an incredible waste of human skills and know-how. It will not end well.
sglover permalink16 November 2012 6:08 pm
You could argue that these economic uncertainties make something like the old liberal arts curriculum (albeit one reinforced with a hefty dose of quantitative reasoning) more useful than is generally credited. But whether even that is worth $50k-$100k is debatable.
A tangent:
"see the abundance of short-lived specialized masters programs to cater for the latest fad"
Here in the DC area, you can't miss ads for hokey "graduate" programs in "National Security Studies" or "Cyber terrorism" or similar horseshit du jour. All of it designed to let the GS-14's add the line to the resume' that gets them a millimeter closer to GS-15.
gaiasrequite permalink16 November 2012 6:22 pm
I don't think it can be argued that the economy is poor and therefore so too is the job market. Here is an article on the subject of college degree vs. no college degree.
gaiasrequite permalink17 November 2012 4:34 am
FM speaks:
"Since my comment was of *facts* about past boom-bust cycles, I would hope it was more of the former than the latter."
Now now Fabius, I am American after all; what use have I for facts.
But yes, I believe the argument took a turn I did not intend because of poor wording choice in the original remark.
16 November 2012 8:05 am
"They Pledged Your Tuition – An Open Letter to UC Students", from Bob Meister
President, Council of UC Faculty Associations, and Professor of Political and Social Thought at UC Santa Cruz
11 October 2009This letter came out here in Berkeley a few years back. I've read this a few times, and close as I can figure what has happened is that the UC Berkeley has pledged future tuition as a collateral for bond purchases for construction in order to lower their credit rating. The accounting for these schools is weird, and apparently not all money they receive is treated the same for the purposes of setting the credit rating.
The first way to understand this shift is conceptual: you need to grasp the fact that the revenue a public university raises through tuition (unlike its funding from the state) can be used as collateral to borrow capital markets. This means that a public university deciding to privatize will value tuition dollars more highly than state dollars—partly because it can more easily financialize tuition, and partly because the process of becoming tuition-dependent allows it to simultaneously blame all budget cuts on the state, and the fact that it can't raise tuition enough.
…By pledging "General Revenues" as security for each UC revenue bond, the Regents are pledging everything that they can, including tuition. This means that when any source of General Revenue goes up—including student tuition and fees—UC's ability to borrow on private capital markets goes up, and its dependency on state capital funding goes down, After 2004, any revenues produced by a bond-funded contract would be added to General Revenue (unless this were limited by that contract); but any such projects could also be subsidized by each other, or by revenues from sources such as tuition, student activities, grant "overhead," endowment, etc.
Just living here I see the results. Everyone's wondering about the staff reductions while massive construction is everywhere. Of course part of this is a new football stadium. Just goes to show where the priorities are — and considering football has never been that successful at UC Berkeley. This isn't a paying project. "Cal's Football-Stadium Gamble
Amid a Costly Renovation, the School Is Short of Its Funding Goal; Tapping Campus Funds?", Wall Street Journal, 20 APril 2012.Cal always intended to borrow most of the $474 million needed to renovate the stadium and build the training facility, and the project's total bonded debt will be $447 million. That's apparently an unprecedented amount of borrowing for a college-sports project…</blockquote.
16 November 2012 2:48 pm
Ronald Reagan ran for governor of California on the idea of harming California's college students. I'm sure he's chuckling in the rather warm climes he inhabits now at the success of his venture:
Stefan permalink16 November 2012 3:35 pm
As seen in other corporate institutions, management bloat and unwarranted executive compensation are parts of the puzzle: "Bureaucrats Paid $250,000 Feed Outcry Over College Costs", Bloomberg, 13 November 2012.
16 November 2012 8:32 pm
On thing to point out regarding non-teaching PhDs is that for many larger Universities the main focus is not their public-facing learning programs but their research and patent licensing activity. There aren't many of the large private research organizations that we used to be so proud of so there are now a lot of public/private partnerships where research is done on behalf of industry in exchange for ongoing licensing revenue which could ultimately be worth billions.
So a focus on undergraduates might miss a large part of what services Universities provide these days.
epagbretonBreton permalink17 November 2012 3:39 am
Ah the beauty of the PUBLIC-private Partnerships.
Corporatocracy at its best; well-indoctrinated by the Beneficiaries to the seemingly unsuspecting public.This has been going on a long time and at full gallop now, that is all that is new.
All the Admin and management people in these Institutions drink from the same chalice (they would have been selected out of the Institution early, if they did not).
And w/out notice, almost everything has been "commodified"
Notice how the discussion here and on Posts about a Liberal Education transcends education for its own sake into education for a "job".
Food stuffs are simply commodities.
Cattle, pigs, chickens—husbandy? Nah, the Corporation settled that arcane idea a long time ago.
Air Travel was once a luxurious experience w/ the exceptional attention to the customer by the providers thereof—-now it is merely a commodity sold to the consumer (with excess bag fees approaching 50% of the Ticket Price!)Life itself is a commodity.
Drone Strikes are "bug splats" not the death of people and families with all the commensurate terrible dissolution and metaphysical pain expereinced by real human beings, personally and at the community level.
What a long strange trip this one has been.


text:
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Food Pairing
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Vin de Pays dOc
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100% Pinot Noir


text:
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text:
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text:
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