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Some Problems With Banks - John Mauldin's Outside the Box E-Letter
Released on 2012-10-17 17:00 GMT
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Some Problems With Banks
By John Mauldin | August 29, 2011
This week your Outside the Box offers two views, one from the US and one
from Europe, both dealing with banks and financing. First, back in July,
my friend Chris Whalen at Institutional Risk Analytics wrote an important
comment about how the situation in the housing market is blocking efforts
by the Fed to stabilize the US economy. IRA is a rating agency that
follows every US bank and consults for a number of large commercial and
governmental institutions on bank performance and risk.
(You can see the IRA reports of all the failed banks since 2008 on their
website. The folks at IRA have a retail website ( www.irabankratings.com)
that allows you to follow your bank's performance for just $50 per year or
subscribe to see all US banks for $1,000 per year. Many large
corporations, investment advisors, insurers, and banks use the retail IRA
bank ratings for counterparty risk management and other bank credit tasks.
It is a great value for people who want to sleep soundly at night with
reliable knowledge about their banks.)
One of the things that Chris has been writing about for the past several
years is how the policies followed by the top four banks * Citigroup,
JPMorgan Chase, Wells Fargo, and Bank of America * plus Fannie Mae and
Freddie Mac, are preventing millions of American homeowners from
refinancing their homes. While banks and corporate issuers of debt have
benefited greatly from the Fed's low-rate policies, consumers have been
locked out. At long last, we now see President Obama and other politicians
talking about the need to refinance American homeowners. Chris and his
colleagues in the mortgage market, like Alan Boyce, are largely
responsible for educating policy makers on this issue. Hopefully they are
not too late to make a difference.
The second and shorter part of today's OTB is two articles from Ambrose
Evans-Pritchard of the Telegraph, on the current crisis in Europe. You
need a scorecard to keep up with the latest developments, and he certainly
provides one. Things could get very volatile, if he is even close to
Have a great week, and my sympathies to all my friends who have "issues,"
as in no power, etc., in the Northeast. Makes 100+ degrees seem like
Your waiting for cooler weather in Texas analyst,
John Mauldin, Editor
Outside the Box
The Institutional Risk Analyst
Are the Housing GSEs and TBTF Banks Blocking the Economic Recovery?
Yesterday our colleague Chuck Gabriel at Capital Alpha Partners in
Washington put out a research note indicating that the Obama
Administration has decided to support a two-year extension in the
conforming loan limit for Fannie and Freddie.
As we have noted in past comments, the limit on loans that can be
guaranteed by the GSEs is set to fall back to pre-crisis levels at the end
of September. Loan markets around the US have already begun to seize up in
anticipation of the change.
But while this eleventh hour fix is good news of sorts, it does not change
the fact that the Obama Administration and most of the federal regulatory
community have badly botched the government's response to the mortgage
crisis. Part of the issue is a lack of understanding of the problem, but
mostly it is the big banks and GSE continuing to exercise their cartel
pricing power to deny American home owners their legal right to refinance.
Let's review the history so we can all get on the same page. In 2002, when
the Fed dropped interest rates dramatically after the banking industry and
markets went into a stall, the mortgage markets saw a wave of home
refinancings. This is precisely what the Federal Open Market Committee
wanted to see happen; liquefy households and boost consumer demand.
In response, the GSEs started to accelerate their purchases of private
label securities ("PLS"), buying the "AAA" pieces of PLS to help to
maintain the yield on their retained portfolios. Remember that a decade
ago, we were still pretending that the GSEs were private corporations and
their officers were busy enhancing earnings to build their bonus pool.
Paul Krugman, Bob Kutner and Frank Portnoy, among others, are right when
they say that Wall Street's greed drove the mortgage debacle. But they
forget that Fannie Mae and Freddie Mac were considered part of Wall Street
until the collapse of Lehman Brothers and Bear Stearns in 2008. You cannot
separate the private and public sector contributions to the crisis; it was
a true partnership, but one that starts with the government intervention
in the housing sector with the New Deal.
While the GSEs were buying all of that "AAA" rated PLS paper from the Wall
Street dealers for the retained portfolio, the inferior tranches went to
fuel the CDO machine, paper that was eventually bought by EU investors.
While liberal commentators still argue that Wall Street and not their
beloved New Deal agencies caused the crisis, the fact is that those CDO
deals built on "A" through "BB" tranches would never have been done
without the GSEs providing a ready market for the "AAA" rated tranches.
The surge in prepayments in 2002 drove the banks and GSEs to loosen their
criteria in order to generate new, high spread at time of origination or
SATO loans to replace the RMBS in portfolio that were seeing very high
prepayment speeds. This decrease in credit quality at banks and by the
GSEs had the same motivations, namely greed. But, again, it is impossible
to separate the role of the government and the private banks in creating
this mess. The two constituencies were locked in a loving embrace that
went on for years and with the full connivance of both political parties
in Washington.
In 2008, when the Fed again dropped interest rates to liquefy households
and boost consumer demand, the GSEs responded by raising the barrier to
home refinancing by changing the loan level pricing adjustment or LLPA.
This move defeated the Fed's LSAP program to purchase mortgage securities
and thereby drive a significant increase in home refinancing. Rich people
got refinancings, but the vast majority of Americans now had the legal
right to refinance in 2008 and 2009 were locked out by the banks and the
GSEs, who did not want to see the high coupon, high SATO loans produced
between 2002 and 2007 prepay. Again the reason, greed, both by banks and
the GSEs.
Remember that the biggest holders of these RMBS are the GSEs themselves
and the Fed, followed by banks and private investors. But because of the
actions of the GSEs to prevent Americans from exercising their legal right
to refinance, the holders of the high coupon securities have been overpaid
for years.
Hundreds and hundreds of billions of dollars worth of Fannie and Freddie
securities should have prepaid years ago, but instead the GSEs and other
holders of these securities have been receiving above-market yields on
their investments. This is not only unfair to American home owners, but it
also means that the US economy is not going to recover until the
government forces the GSEs to change their LLPAs and aggressively start to
refinance these high SATO loans.
Senator Barbara Boxer (D-CA) has introduced a proposal to force the GSEs
to refinance the loans in their portfolios as well as in pass through
securities. The Obama Administration has finally put forward a proposal to
force trustees of private RMBS to allow principal reductions on mortgages
to help keep up to 1 million people in their homes. Both of these
initiatives are important and necessary for the US economy to recover. But
both proposals also represent a deliberate government-mandated default on
these debt instruments. So much for the arguments about raising the
federal debt ceiling that rely on the need to avoid default.
In the event, this new wave of refinancings will mean a massive prepayment
to the GSEs and to private investors, who have been free riding at the
expense of home owners and the American economy. A broad program of
refinancing will make the losses at Fannie and Freddie soar and will
reduce the cash flow going to banks and other investors in GSE paper. It
is likely that several large financial institutions will be forced into a
Dodd-Frank restructuring when the government rips away half of their net
interest margin as a result of prepayments on vintage RMBS.
These two proposals will be very bad for the support of bond owners of PLS
for future participation in the mortgage market, but senior bond holders
will likely do much better. The Boxer and Obama proposals are probably
good for loan servicers too as they are first in line to get repaid
servicing advances when the loan is sold. This is a "servicer safe harbor"
issue, but the larger economics are always better for all investors on a
short sale or modification than a long drawn out foreclosure process.
But shed no tears for holders of private RMBS. The excess spread that
these investors have been receiving because of the GSE efforts to block
home mortgage refinancings for the past three years more than compensates
for the lower yields they will receive when the proceeds of prepayments
are reinvested at today's market rates. Strange as it may seem, we support
the Boxer proposal. Indeed, we suspect that Senator Boxer may have been
reading the work of our friend Alan Boyce, head of the Absalon Project.
For the past three years and more, Boyce and other member of our
Berlin-Los Angeles axis of understanding have been trying to educate
members of Congress and other inhabitants of Washington as to the reality
of the GSE-bank mortgage market cartel. In particular, Boyce has focused
on how the GSEs and the largest banks are actively seeking to prevent
Americans from refinancing their mortgages -- and at the same time
thwarting the Fed's efforts to stabilize the economy through QE.
Click here to see the latest version of Alan's presentation. Note
particularly Page 13, which shows that high income home owners who could
qualify for the tighter LLPAs put in place by the GSE's in 2008 were twice
as likely to refinance as lower income borrowers. The bottom and lower
middle income households with high SATO loans are precisely the mortgages
that the GSEs and banks own in their portfolios.
"Now that it's the one year anniversary of Dodd-Frank, there has been lots
of discussion on what should be done in the future," Boyce notes, "but no
discussion of what is happening on a daily basis."
Bottom line: If the Obama Administration wants to see the US economy
recover, then we must start the real process of restructuring that
Washington & Wall Street have been avoiding since 2007. President Barack
Obama may not be able to turn things around before the 2012 election, but
he will be remembered more kindly in the history books if he has the
courage to do the right thing. As always, we are available to help in this
process as and when somebody in the White House or Treasury wants to pick
up the telephone.
And from the Telegraph:
Euro bail-out in doubt as "hysteria" sweeps Germany
German Chancellor Angela Merkel no longer has enough coalition votes in
the Bundestag to secure backing for Europe's revamped rescue machinery,
threatening a constitutional crisis in Germany and a fresh eruption of the
euro debt saga
Seething discontent in Germany over Europe's debt crisis has spread to all
the key institutions. Photo: AP
By Ambrose Evans-Pritchard
28 Aug 2011
Mrs Merkel has cancelled a high-profile trip to Russia on September 7, the
crucial day when the package goes to the Bundestag and the country's
constitutional court rules on the legality of the EU's bail-out machinery.
If the court rules that the EUR440bn rescue fund (EFSF) breaches Treaty
law or undermines German fiscal sovereignty, it risks setting off an
instant brushfire across monetary union.
The seething discontent in Germany over Europe's debt crisis has spread to
all the key institutions of the state. "Hysteria is sweeping Germany "
said Klaus Regling, the EFSF's director.
German media reported that the latest tally of votes in the Bundestag
shows that 23 members from Mrs Merkel's own coalition plan to vote against
the package, including twelve of the 44 members of Bavaria's Social
Christians (CSU). This may force the Chancellor to rely on opposition
votes, risking a government collapse.
Christian Wulff, Germany's president, stunned the country last week by
accusing the European Central Bank of going "far beyond its mandate" with
mass purchases of Spanish and Italian debt, and warning that the Europe's
headlong rush towards fiscal union strikes at the "very core" of
democracy. "Decisions have to be made in parliament in a liberal
democracy. That is where legitimacy lies," he said.
A day earlier the Bundesbank had fired its own volley, condemning the
ECB's bond purchases and warning the EU is drifting towards debt union
without "democratic legitimacy" or treaty backing.
Joahannes Singhammer, leader of the CSU's Bundestag group, accused the ECB
of acting "dangerously" by jumping the gun before parliaments had voted.
The ECB is implicitly acting on behalf of the rescue fund until it is
A CSU document to be released on Monday flatly rebuts the latest accord
between Chancellor Merkel and French president Nicholas Sarkozy, saying
plans for an "economic government for Eurozone states" are unacceptable.
It demands treaty changes to let EMU states go bankrupt, and to eject them
from the euro altogether for serial abuses.
"An unlimited transfer union and pooling of debts for any length of time
would imply a shared financial government and decisively change the
character of a European confederation of states," said the dr aft,
obtained by Der Spiegel.
Mrs Merkel faces mutiny even within her own Christian Democrat (CDU)
family. Wolfgang Bossbach, the spokesman for internal affairs, said he
would oppose the package. "I can't vote against my own conviction," he
The Bundestag is expected to decide late next month on the package, which
empowers the EFSF to buy bonds pre-emptively and recapitalize banks. While
the bill is likely to pass, the furious debate leaves no doubt that
Germany will resist moves to boost the EFSF's firepower yet further. Most
City banks say the fund needs EUR2 trillion to stop the crisis engulfing
Spain and Italy.
Mrs Merkel's aides say she is facing "war on every front". The next month
will decide her future, Germany's destiny, and the fate of monetary union.
European banks set cash test by IMF chief
European banks face ordeal by fire this week after the International
Monetary Fund called for "urgent" action to shore up their defenses, if
necessary with state money and under legal compulsion.
Recovery is in danger if we don't shore up defenses, says Christine
Lagarde. Photo: AP
By Ambrose Evans-Pritchard
9:27PM BST 28 Aug 2011
Christine Lagarde, the IMF's new chief, set off tremors at the Jackson
Hole summit over the weekend with warnings that the global financial
system is on very thin ice and vulnerable to the slightest shock.
"We are in a dangerous new phase. The stakes are clear: we risk seeing the
fragile recovery derailed, so we must act now," she said.
"Banks need urgent recapitalisation. If it is not addressed we could
easily see the further spread of economic weakness to core countries, even
a debilitating liquidity crisis. The most efficient solution would be
mandatory substantial recapitalisation," she said.
Europe's lenders are already reeling from a share price collapse since the
debt crisis spread to Italy and Spain, threatening to overwhelm Europe's
bail-out fund and leave banks exposed to sovereign defaults.
Shares of Intesa SanPaulo, Credit Agricole and Commerzbank are all below
the extremes seen during the panic in March 2009.
Europe's inter-bank market is effectively frozen and EMU banks have lost
access to America's $7 trillion (-L-4.3 trillion) money markets. Lenders
have parked EUR126bn (-L-112bn) at the European Central Bank for safety
rather than risk exposure to peers.
The IMF exhorted Europe's banks over the last two years to beef up their
capital base while the rally lasted. Many failed to do so and will now
face harsher terms. Some may fall under state control, wiping out
The eurozone economy ground to a halt in the second quarter, tightening
the noose on EMU's weaker states and their banks. Julian Callow from
Barclays Capital said Europe is already in "industrial recession" and
risks tipping into outright economic slump.
"The recent slide is eerily reminiscent of the pattern during the third
quarter of 2008," he said.
Mrs Lagarde issued a thinly-veiled attack on the ECB's rate rises and
Europe's fiscal austerity drive. "Monetary policy should remain highly
accommodative, as the risk of recession outweighs the risk of inflation.
Fiscal policy must navigate between the twin perils of losing credibility
and undercutting recovery," she said.
Tim Congdon from International Monetary Research said it is folly to force
Europe's banks to raise money too quickly or crystallize losses abruptly.
This will cause a monetary implosion and a repeat of the 2008 disaster.
He said the ECB's restrictive policies over the last 18 months and the
lack of EMU fiscal union have doomed the euro. to certain break-up.
"It cannot be saved. Banks will suffer large losses," he said.
Copyright 2011 John Mauldin. All Rights Reserved.
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At the little animal zoo in the Kronenburgerpark, Nijmegen
This photo was shot on film. Taken by miss_maha with a Minolta Hi-Matic G2 loaded with Lomography Redscale film (available in our Online Shop) in Nijmegen, Netherlands. These tags describe this photo: petting, zoo, deer, grass, and park. Date: 2011-05-06. Time: Afternoon. This photo can also be found in the album Orange and citrus city.Please login to get more out of this site
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Martha Stewart has done it again with an ingenius tutorial on how to take your pumpkin into a new world with her celestial pumpkin carving DIY. The planetary pumpkins look great when surrounded by other space age pumpkins. The key ingredients to this tutorial include a variety of pumpkins in different shapes and sizes, lights (or candles) and a power drill. Martha Stewart calls for string lights as an alternative to candles, but if one can not use lights then candles would suffice.
The tutorial on celestial pumpkin carving is simple and effective as it a great way to change up the decor of one's Halloween decorations. The drilling of the multiple holes can be done in any pattern one should choose.


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"I made this for my husband who is a VERY picky eater and careful with what compliments he gives.. and he absolutely loved this! I was surprised when he even said it was better than restaurant Tonkatsu. Thanks for sharing this simple yet wonderful recipe!"
"I made this also with the recommended meatballs, which were wonderful and tender, much nicer altogether than regular fried meatballs. The only thing I found was the sauce was very, very rich and we could hardly finish our bowls of it. I think that would depend on which brand of puree you use (since there's a lot of it), I used the Fred Meyer one. ..."


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I have a wood fence that I use 15 feet for growing vines. There are four 1/2 barrels in which I have two v shaped wood trellis at each end and over the center section I use 50 lb fishing line for a trellis. I have planted Hyacinth Bean Vine there for years, but wanted something different. I have asked questions on the vine forum but still am not sure which vine would be best. Could I please get some suggestions as to what to plant besides morning glory.
With your suggestion could you please tell me if I should use M Grow or just plain potting soil. Also how many seeds/plants for each barrel. I think I have everything covered as far as questions and would like to thank you in advance for you help.
Follow-Up Postings:
Cup & Saucer Vine is a beautiful alternative, with lovely cup shaped purple blooms... mina lobata, commonly known as Spanish Flag, is another lovely annual vine. Morning Glories come in so many colors that you could really make a nice statement with an assortment of colors. Hops can be a lovely vine to grow... cardinal vine, cypress vine, hyacinth bean, nasturtium, scarlet runner bean, sweet peas are a few suggestions... thunbergia, also known as black eyed susan vine is a swift grower... Or.. if you wanted to go with a perennial, Trumpet Vine, a rambling or climbing rose, Honeysuckle, climbing Hydrangea, an Ivy... Your choices are quite vast, really... and it's all dependent upon the amount of light you have to work with. Your zone would probably allow you to grow perennial vines without too much trouble with protection. As for medium, I'm a big believer in using a more durable, free draining medium in containers... you'd have excellent success with vines or any plant if you used something like Tapla's 511 Mix, described in the link below. If you make the effort required to begin with a good durable, free draining medium, and you keep the vines fed well all season, they'll develop healthy root systems, which will in turn make for healthy canopies and blooms on them, covering that fence in no time! When it comes to annual vines, I usually plant groups of 2-3 seeds, just in case they don't all germinate... and in a half barrel, I'd probably plant 3 or 4 groups of 2-3 seeds toward the back of the barrel next to the fence, leaving a small area toward the front to stuff with other trailing or contrasting annuals... such as something in a complimentary color, or something like Dusty Miller or Euphorbia, or perhaps you could stuff a Daylily or other perennial in... like Creeping Jenny... The sky's the limit, really... what colors do you see when you close your eyes and imagine what it would look like? Browse your local garden center for plant ideas... or use Google to see images of annual vines mixed with other plant types. I hope this helps you somewhat... my personal favorite annual vine is Cup & Saucer. Happy Gardening! |
Here is a link that might be useful: Container Soils - Water Movement & Retention 13
This may be late but look into moonflowers. The foliage looks like morning glories but the flowers are big and white and only bloom at night which is kind of neat. The seeds are a little high maintenance to get going. Once you get a few going it's really easy to collect seeds for next year. |
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Routt County Sheriff Wiggins will not join lawsuit against Colorado gun laws
Wednesday, April 10, 2013
Steamboat Springs Routt County Sheriff Garrett Wiggins is not one of the 37 Colorado sheriffs who have signed onto a lawsuit challenging the gun laws recently passed by the state Legislature.
The Denver Post reported Tuesday that more than half of the sheriffs in the state are joining the lawsuit that is being organized separately from the group that represents sheriffs, County Sheriffs of Colorado.
"I am not one," Wiggins said about whether he was part of the group of sheriffs that had joined the suit.
"They've kind of taken the reins on this thing," he said. "And I'm going to remain neutral and kind of sit back and watch."
Weld County Sheriff John Cooke said the lawsuit, which is being handled by attorney Dave Kopel, still has a number of issues to be worked out.
"Our attorney is preparing an executive summary for those that are staying neutral right now," he said.
Other than challenging the laws on general Second and 14th Amendment grounds, the specific venue and complaint of the suit have not been determined.
Cooke said Kopel is meeting with other plaintiffs and hopes to complete the executive summary soon after.
"It was pretty clear what was going on," Cooke said about the group of sheriffs that traveled to Denver to testify against gun control legislation. "It was clear the Legislature didn't really care what we had to say."
After the board of County Sheriffs of Colorado declined to organize the lawsuit, Cooke said, he and other individual sheriffs decided to move forward themselves.
Cooke compared the law limiting magazines (House Bill 13-1224) to being denied tires for a car. So many magazine can be modified, which the law outlaws, that it renders the guns that take them unusable, he said.
The law grandfathers older magazines, but Wiggins previously has said the lack of dates on magazines complicates enforcement of the law.
Cooke also said the law is so vague and poorly written that it could be considered unconstitutional on 14th Amendment due process grounds.
The list of sheriffs who've signed onto the lawsuit still is confidential, he said, but will be made public when the suit is filed.
"I think a lot of people are just waiting to see the executive summary," Cooke said. "I think it'll go up."
Moffat County Sheriff Tim Jantz did not return calls seeking comment.
To reach Michael Schrantz, call 970-871-4206 or email email@example.com
More like this story
- Moffat sheriff signs suit challenging Colorado gun laws
- Moffat County Sheriff no longer part of lawsuit against gun legislation
- Routt County's Wiggins, Moffat County's Jantz join sheriffs' lawsuit over gun control bills
- Moffat County Commissioners show angst over gun laws
- Controversial gun laws under review by federal judge
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found a new home!
Plenty of my friends are looking
for one too. Find a pet to adopt.
Find a pet to adopt |
My name is Jazz!
Facts about Jazz
- Breed: Domestic Shorthair
- Color: Gray, Blue Or Silver Tabby
- Age: Adult
- Sex: Male
- Hair: Short
Jazz's Info...
I am already neutered, up to date with shots, good with kids, and good with cats.
I'm one coooool cat and that's that!
Call 757-546-5355 to meet the love of your life!
Other Pets at Chesapeake Humane Society
Why Adoption is a Great Option
Jazz, a Chesapeake Domestic Shorthair cat was adopted! Here's how you can benefit by looking at adoption as an option to buying a Domestic Shorthair for sale in Chesapeake, or seeking a Domestic Shorthair cat from a breeder in Chesapeake.
- Rescues and shelter volunteers in Chesapeake already know the personality and tendencies of their pets. This means they can match you with the right pet. That will makes it much easier transition to owning a pet for yourself and your new pet.
- On average adoption fees are much less than you'd pay a Chesapeake breeder, or pet store. Plus most often rescue pets have already been to the veterinarian for a check-up, had a round of vaccinations, and are spayed or neutered. That is a lot of savings!
- You will become a hero, and give a needy dog or cat a loving home. In fact, there are even Domestic Shorthair breeders who help with Domestic Shorthair rescue. One puppy or kitten adopted in Chesapeake paves the way for another one to be saved.


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Information on the world's countries and cultures are available for students, researchers, and travelers through these resources.
Denotes resources suitable for students in elementary and middle grades
Web resource Available with Skokie Public Library card Available in Library only
General Country and Culture Sites
CultureGrams Online
CultureGrams provides country reports that deliver a perspective on daily life and culture, including the background, customs, and lifestyles of the world's people. Individual reports cover 187 countries and all fifty United States.
World Book Online
The online version of the popular encyclopedia, good for students but also
valuable as a general guide to all fields of learning. The articles
provide cross-references and links to maps, charts, audio and visual clips,
animations, Bubble Views (360-degree virtual tours), websites, magazine and
newspaper articles, or other World Book articles and sections of articles
related to the article topic.
Skokie Public Library's guide to this database


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Home Future StudentsCurrent StudentsFaculty & StaffPatientsAlumni
A-Z | Portals | Canvas | My Email | Make a Gift | CU Anschutz
Teeth whitening is one of the most popular cosmetic dentistry procedures for lightening teeth stained by tea, coffee, soda, and tobacco. We offer at-home teeth whitening systems that are customized to fit your individual smile.
At-home teeth whitening systems offer our patients the flexibility and comfort of being able to whiten their teeth in the privacy of their own homes. Results can be dramatic, yet many people will only notice that you look better without knowing exactly why. That's because with teeth whitening at the Dental Faculty Practice in Aurora, Colorado, we strive for results that are beautiful and natural looking.
University of Colorado School of Dental Medicine | 13065 E. 17th Avenue | Aurora, CO 80045 | 303-724-6900
© The Regents of the University of Colorado, a body corporate. All rights reserved.
All trademarks are registered property of the University. Used by permission only.


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We extend our warmest welcome to you and thank you for visiting our home on the internet. At the Ken Blanchard College of Business, we focus on helping each of our students to "Find Their Purpose." We have three pillars defining who we are as a college. They are Servant Leadership, Entrepreneurial Spirit, and Innovation. We use these pillars as placeholders against which we make decisions and determine the direction of our team.
The Ken Blanchard College of Business is composed of more than 350 full- and part-time faculty members and supporting cast specifically chosen for their expertise and experience. We build our programs and courses through a collaborative team effort from faculty who will teach the courses, specialists in curriculum designs, and specialists focused on multi-media delivery of information. With cutting edge technology and an unmatched team spirit, we provide programs that will help you find your purpose.
Our program offerings are among the broadest you will find anywhere. Our newest programs include a fantastic degree in sports management and graduate degrees in public administration and accounting. Regardless of your career and personal goals, we know you will find a place here with us.
Warmest Personal Regards,
W. Kevin Barksdale Ph.D.
Dean and Professor of Management
Ken Blanchard College of Business
Servant Leadership, Entrepreneurial Spirit, and Innovation are the three pillars defining who we are as a college.
W. Kevin Barksdale Ph.D.
Dean and Professor of Management
Grand Canyon University © 2011 - All Rights Reserved. - Request More Information or Call 1.877.860.3951 Grand Canyon University is an accredited university founded in 1949. We offer online education, online degree programs, campus based classes, MBA degree programs and an Executive MBA.


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Welcome to the Muppet Central Forum!
You are viewing our forum as a guest. Join our free community to post topics and start private conversations. Please contact us if you need help with registration or your account login. -
Sesame Street Season 45
Sesame Street's 45th season officially begins Monday September 15. After you see the new episodes, post here and let us know your thoughts. -
"Muppets Most Wanted" Fan Reactions
After you see "Muppets Most Wanted", read fan reactions and let us know your thoughts on the Muppets eighth theatrical film.
Ive loved the muppets since around 2003 when I discoverd them at age 27Interact
Muppets rock
R.I.P Jerry Nelson you brought Floyd,Lew Zealand,Robin,Camilla, Crazy Harry, Uncle Deadley and Dr.Julius Strangepork to life


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Listen to or watch local radio and television stations:
You may also call Minnesota State Information at 507-389-2463.
Please do not call the MSU Security Emergency number (507-389-2111) for weather related information as this number is dedicated for emergencies and security related calls.
Additional numbers for weather related information are:
Cancellation of classes means only that classes are not in session-the campus remains open. The decision to cancel a non-academic event such as Athletics, Student Development activities, etc., will be made by the director responsible for the activity in consultation with his/her vice president.
In extreme emergency conditions, the campus may be closed and all functions cease with the exception of those functions considered essential to the well-being of students, those service activities available for students living on campus, and those functions deemed essential to the protection of life and property.
Morning announcements will be made by 5:30 a.m. and afternoon/evening announcements will be made by 2:30 p.m.
Class Cancel/Campus Closure specific to University employees


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American Standard Version (ASV) | New International Version (NIV) |
6 My people are destroyed for lack of knowledge: because thou hast rejected knowledge, I will also reject thee, that thou shalt be no priest to me: seeing thou hast forgotten the law of thy God, I also will forget thy children. | 6 my people are destroyed from lack of knowledge. "Because you have rejected knowledge, I also reject you as my priests; because you have ignored the law of your God, I also will ignore your children. |
The American Standard Version is in the public domain. (The American Standard Version Bible Online) | Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online) |


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found a new home!
Plenty of my friends are looking
for one too. Find a pet to adopt.
Find a pet to adopt |
My name is Bella!
Facts about Bella
- Breed: Chihuahua/Italian Greyhound Mix
- Color: Black
- Age: Young
- Size: Small 25 lbs (11 kg) or less
- Sex: Female
Bella's Info...
I am already spayed, housetrained, up to date with shots, good with kids, and good with dogs.
Courtesy listing! Please contact Theresa at firstname.lastname@example.com or call 951 852-7999 to inquire on Bella.
Meet Bella! She is a 1 ½ year old, female Chihuahua/Italian Greyhound mix who weighs 7-8 lbs. Bella was rescued from the Redlands shelter but was pregnant so we have had her in our rescue for a few months while she raised her litter. Bella struck me as such a tender hearted loving dog. When I met her at the shelter she quietly crawled into my lap and seemed to be pleading for me to help her and her unborn pups. I had no intention of taking a pregnant dog that day but Bella won me over with her award winning temperament.
Bella is a mild mannered, polite and very well behaved. Her nature is sweet and gentle. Her house manners are superb. She does not cause any trouble or chew things she is not supposed to and she is not a barker. She loves to be near her people and will follow you from room to room but she is not needy or anxious when she needs to stay on her own. She is just agreeable and easy going. She likes to go for walks too. When in the car she sits politely in her doggie car seat and wonders where we are going. Bella is housebroken and will also use a piddle pad if she does not have access to outside.
Bella gets along well with other dogs. She currently lives with both big and small dogs in her foster home. I feel that she would be equally suited as an only dog or with another canine. Bella is such a sweet deserving little dog who is now looking for a family of her own to love and to be loved by.
Bella is spayed, micro chipped, rabies, dewormed and up to date on her vaccinations. If you would like to meet Bella please contact Theresa at firstname.lastname@example.com or call 951 852-7999. Please visit our website at http://www.treasuredtailsrescue.com/ to find out more about our adoption process and adopt fees.
Other Pets at Canine & Kitty Co-op
Why Adoption is a Great Option
Bella, a Bellflower Chihuahua/Italian Greyhound dog was adopted! Here's how you can benefit by looking at adoption as an option to buying a Chihuahua/Italian Greyhound for sale in Bellflower, or seeking a Chihuahua/Italian Greyhound dog from a breeder in Bellflower.
- Rescues and shelter volunteers in Bellflower already know the personality and tendencies of their pets. This means they can match you with the right pet. That will makes it much easier transition to owning a pet for yourself and your new pet.
- On average adoption fees are much less than you'd pay a Bellflower breeder, or pet store. Plus most often rescue pets have already been to the veterinarian for a check-up, had a round of vaccinations, and are spayed or neutered. That is a lot of savings!
- You will become a hero, and give a needy dog or cat a loving home. In fact, there are even Chihuahua/Italian Greyhound breeders who help with Chihuahua/Italian Greyhound rescue. One puppy or kitten adopted in Bellflower paves the way for another one to be saved.


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Sad, sad news.
Nashville Kat says she talked to Clint Black and found out that he had lost his beloved yellow lab Sunny to a seizure on Sunday. I feel for Clint and his family, losing a pet is always tough.
The picture above is of course not a yellow lab and so by my masterful powers of deduction, I've figured out this is not Sunny, but it's the best I could do.
Clint's family does have another dog (perhaps the black lab above), but he hopes to get another dog in time. His 7-year-old daughter, Lily, says she hopes they wont be a one-dog family. Awww, now that's sweet.


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I smiled when I read Graham said that the only thing that he doesn't like about his version of Romano-Celery Sourdough [8] was that "it is basically a white dough and can be interpreted as having 'stodgy' mouthfeel by people that enjoy a more textured crumb, like myself."
Lately I have noticed that my son has been having less of my sourdough and that it coincided with my experimenting with flour that has higher ash content and higher bran. Flavour aside, breads made with these types of flour are noticeably more chewy and less soft and spongy – the so-called "more textured crumb."
I wanted to give my kids a treat – I am making them an all-white sourdough. Purists would have a problem that I called my all-white sourdough a Miche. Miche (and Campagne) are normally made with some rye and some other whole grain flour. The more whole grain flour there is, the more you lose the soft and sponginess, and the more you gain the "texture" (unless, perhaps, you increase the hydration to very high and add oil, other fat or milk, which I am unwilling to do). The more there is "texture," the less it is appealing to kids?
I am absolutely loving the cooler weather now. My white starter (for this Miche) which was fed four times flour took 29 hours (!) to mature at room temperature, and how lovely it was so full of bubbles and happy. In summer, I feed my starter three times flour, so why in winter, I am feeding it four times flour? I should have dropped the feeding to two times flour. But No! The little beasties are enjoying the slower and longer feeding. And, in return, they are giving me more flavour for my bread!
I am calling my Miche an Aussie Miche because all of my ingredients are Aussie origin.
I refreshed my starter at 4:30 pm and it was ready the next day at 9:30 pm (a 29 hour marathon feeding) at room temperature ranging 15 to
All but
The Dough
Ingredient | Weight | US Volume | Bakers Percentage | |
Flour (Laucke's unbleached bakers flour) | 660 g | 23.28 oz | 5.17 cups | 100.00% |
White Starter @65% hydration | 198 g | 6.98 oz | 1.55 cups | 30.00% |
Water | 487 g | 17.18 oz | 2.06 cups | 73.79% (hydration) |
Margaret River pink rock salt | 15 g | 0.53 oz | 1.12 tbspns | 2.27% |
Total Weight: 1360 grams / 47.97 ounces Total Flour Weight: 660 grams / 23.28 ounces |
Bakers percentages are relative to flour weight (flour equals 100%) and every other ingredient is a percentage of this. Flour from the Starter is not counted. Note: This recipe was uploaded in grams and has been automatically converted to other measures, let us know [9] of any corrections.
(1) I diluted my starter with the recipe water, adding a little bit at a time, mixing thoroughly before adding a little bit more, until all water was added.
(2) Mixed in the flour with a spoon for about a minute. Autolyse 30 minutes.
(3) Bulk fermentation (including autolyse) was 4 hours at room temperature of 18 –
(4) Pre-shaped and shaped the dough into a round. Placed the dough in a dusted banneton.
(5) Proved overnight for 7 hours (including the time that it took to pre-shape and shape the dough and the resting time in between) at room temperature of 14 –
(6) I pre-heated my oven to as high as it could go, 250 –
(7) Cooled the loaf for at least one hour before slicing.
A happy meal for my kids! Hope it will be for you or your kids too.


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The Detroit Tigers made two moves in the last two days with very different goals. First, they traded a very good pitcher for what looks like a very minimal return – a utility player and a nice prospect in exchange for one of the, what, 20 starters in baseball over the last three years?
Doug Fister is really good but was about to get more expensive and they have more than their share of fine starters so fine: you deal from a position of strength, Dombrowski. You do it with the internet's blessing. Everybody has bills to pay, we get it.
But then the Tigers turned around and gave dollars and years to Joe Nathan, a closer. A capital-C Proven Closer who also happens to be 39-years old. All the Tigers goodwill quickly evaporates because CLOSERS NOT CLOSERS. Overpaying for saves is the Cardinal Sin, one from which even the wiliest GMs cannot recover.
But, as always, there is a middle ground between screaming about saves and improving a professional baseball team. The pendulum of overrated/properly rated swings violently. The Tigers added a great pitcher to the bullpen – a definite area of need. This is a good thing for their chances in the immediate future.


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Matt Dillon F Bar August 2009 [00:24]
6yr. Buckskin Barrel Horse. Will be solid 1D barrel horse with more hauling. Been to rodeos, not pressured up, always tries hard. Absolutely beautiful, 15.2, 1200lbs, big mane, big tail, fabulous personality! Headed on lots last winter. Running in the 2D sometimes the 1D. Don't want to sell, but deperate times call for them all to be for sale. He is the goods. $17500. ... "barrel racing" "barrel horse for sale" "buckskin barrel horse"
Tags: barrel racing, barrel horse for sale, buckskin barrel horse
Rachel Alexandra workout 8/24 [01:26]
seeking to become the first ever female to win the Woodward warranted an increase in purse." Asmussen, accompanied by Jacksons wife, Barbara Banke, made the announcement after Rachel Alexandra worked six furlongs in 1:11.84 over a muddy main track at Saratoga, ending speculation she would face 3-year-old colts again in the Grade 1, $1 million Shadwell Travers on Saturday or older fillies in the Grade 1, $400000 Personal Ensign the following day. Instead, her stablemate, Jacksons Grade 2 ...
Tags: rachel, alexandra, horse, racing, workout, nyra, saratoga, woodward, steve, asmussen, dominick, terry, calvin, borel, jess, jackson
250709RwickR4 [02:09]
... Horse Racing Randwick Race Course Caller Broadcaster Commentator Anthony Manton Allaboutus Trainer Greg Hickman
Tags: Horse, Racing, Randwick, Race, Course, Caller, Broadcaster, Commentator, Anthony, Manton, Allaboutus, Trainer, Greg, Hickman
What Is Sport? [02:21]
a mess and I don't think the idea actually worked how i wanted it to... basically this really amazing quote about sport (slightly edited) and put to clips of horseracing and also the music interspersed with some audios from historic sporting events. Hope it turned out alright, ut like i said before, my computer is so slow that it doesn't play things back properly on WMM, so i put them on youtube in blind faith that they're ok :) ** I DON'T OWN THE MUSIC ** ... Sport "Horse Racing" Racehorses ...
Tags: Sport, Horse Racing, Racehorses, Jockeys
Elitloppet 1991 -Peace Corps [02:43]
Solvalla-Sweden, 26/05/1991 - 1.609mt 1 Peace Corps, SH Johansson 1.12.2 (Baltic Speed - Worth Beein) 2 Kit Lobell, B. Lindstedt 1.12.3 3 Brendy, W. Rode 1.12.5 4 Ultra Ducal, P. Viel 1.12.6 5 Nealy Lobell, J. Takter 1.12.6 6 Beseiged, V. Heiskanen 1.12.8 7 Shogun Lobell, O. Goop rp ... attele trot harness racing trav trotto cheval cavalli horse corse ippica trab elitloppet solvalla sweden peace corps ultra ducal kit lobell
Tags: attele, trot, harness, racing, trav, trotto, cheval, cavalli, horse, corse, ippica, trab, elitloppet, solvalla, sweden, peace, corps, ultra, ducal, kit, lobell
1... 602 | 603 | 604 | 605 | 606 | 607 | 608 | 609 | 610 | 611 | 612 ...614


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JBL and NVIDIA inside Dell XPS Laptops – Can be deadliest Combination
by MAC Article posted in Gadgets, Laptops, Latest News
Well, Dell already into everything, now pushing out its XPS Laptops with big entertainment guns, Nvidia and JBL. Yes JBL is the company who is already known for its high sound and musical entertainment electronics system, that includes High Quality Speakers and Music Systems and Nvidia, well who does not know about it. If you are gamer, you will be the fan of Nvidia which is known for its outstanding Graphics Cards support for every upcoming high definition games.
So having The all the High Definition and High Entertaining Sound quality can make the XPS Laptops of Dell deadliest and most demanded if they deliever as Dell has expected to. Recently from the Press Release, Dell announces that The JBL and Nvidia supported systems. Where Nvidia Graphic support will be putted into XPS Laptops where they will be able to through out HD video and Threatre defined videos for the viewers, which will also includes the HD Video Streaming.
With JBL support, high quality JBL designed speakers and sound system has been installed into the XPS Laptops, which will be tantalizing and amazing for the Music and Entertainment Lovers. they will have hell of quality sound support inside XPS Laptops. MAX waves technology has been inducted for the professionals inside XPS latops
here is the link to Press Release of Dell for the launch of XPS Laptops
XPS laptops will be available in three range, XPS – 14, XPS – 15 and XPS – 17 series and price range will be from $900 to $1000 approx. so guys get ready to rock yourself with XPS Latops, with Nvidia and JBL inside it.
here are the screen shots for XPS Laptops.


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I have 2 live oaks that desperatley need some spanish moss..
can I get some and throw it up into my trees??? thanks |
Follow-Up Postings:
- Posted by shanklemsw Z8 CoastalSC (My Page) on Sat, Sep 18, 04 at 18:44
Yes It's a fungus and will grow on live oaks. Wear plenty of bug spray. It's full of chiggers and skeeters. |
Yep - it'll grow where it lands. |
- Posted by Wilmington_Islander 9A/Sunset 28 (My Page) on Mon, Sep 20, 04 at 9:18
It is not a fungus, but an aerial bromeliad. Its latin name is tillandsia usenoides ( forgive the spelling if incorrect). But, given the appropriate climate, it will transplant easily. It will not, however, transplant well to a place it doesn't belong...i.e, Charleston Moss won't grow in greenville, New Orleans moss won't grow on trees in Memphis, etc. etc. Not for long and it won't "culture", anyway. |
Charleston moss WILL grow in Charlotte - ask my mother. I can show you S. Moss in her trees that was brought home from Charleston when I was just a kid (that was a while ago and I remember both "harvesting" it and transplanting it - I was about 10) I am pretty sure that the poster will be gathering local moss for a local transplant, tho. |
- Posted by Wilmington_Islander 9A/Sunset 28 (My Page) on Tue, Sep 21, 04 at 8:54
Well, apparently your Mom's place is suitable climate for it...but, as a general rule, they do not transplant well out of their range. It has been tried, mostly unwsuccessfully, time and time again. There is even a native stand of it in Delaware. Its range is limited by its relative lack of cold hardiness as well as its need for HIGH humidiity. Your Mom's place must look pretty cool; sometimes Spanish Moss is best enjoyed when it is "out of place" somewhere. |
No kidding? I'm shocked to know that spanish moss would grow in Charlotte! About the transplanting. I suggest that the plant be hung from a lowest branch. It does best when it can get plenty of filtered light, water, and air circulation. That's why you often see the biggest gobs of it on really old, declining, or sickly trees. |
It has never really "spread" much, like it does here, but its does multiply in small increments. I'll try to get some pics next time I am up there. |
- Posted by Georgiarose z7 (My Page) on Mon, Sep 27, 04 at 13:43
It will survive, but grows very slowly here in Z7. The problem we have is: birds love to use it for nesting material and they eventually decimate the transplanted clumps. I replenish it occasionally with sealed bags full from St. Simons Island(note the operative term "sealed", as it is loaded with insects!) |
- Posted by JessMonkie 31523 (My Page) on Thu, Sep 30, 04 at 2:38
Georgia, I'm assuming that you're from around St. Simon's. I live in Brunswick and I'm just wondering if I'm in zone 7 as well. I don't know all that zone stuff. Jess |
- Posted by Wilmington_Islander 9A/Sunset 28 (My Page) on Thu, Sep 30, 04 at 8:42
No Jess....you would be an 8B acording to the 1990 USDA map...and a zone 9 for the proposed new map. I'd say if you were a solid zone 9 if you are in the city limits or on the Island.....if you'll look around right now you will see bananas with fruit and tangerines and other citrus plumping up on the trees. Its that way here in Savannah...and you are 75 miles south. |
- Posted by JessMonkie 31523 (My Page) on Thu, Sep 30, 04 at 14:34
Great. Thank you. |
Not all Spanish Moss is full of redbugs (chiggers). For reasons I've never understood some areas the moss is full of them, other areas it's not. The moss on my trees doesn't seem to have any as I'm often pulling it down to get it out of my face when I'm working under my trees. Haven't had a redbug bite me in a couple of years now. Now if it's on the ground all bets are off. .....Alan. |
- Posted by girlsaylorz9a 9a (My Page) on Thu, Oct 7, 04 at 9:32
I sent Spanish moss to a friend in Cinci who wanted to grow it in a hoophouse off his upper deck. It's growing like crazy, and he used some in a tropical planting in the garden this summer. The stuff loved the Ohio summer heat and humidity. He's planning on the same treatment through this coming winter. girlsaylor |
- Posted by Wilmington_Islander 9A/Sunset 28 (My Page) on Thu, Oct 7, 04 at 9:35
Whats a hoophouse? And Spanish Moss will grow anywhere where it is hot and humid...for a while. It'll die at about 10 degrees. |
Alison, I am curious about one thing. Do you have any nearby trees with moss? Usually if you don't see it in a tree it's because it doesn't like that particular area. Sometimes it's really weird. We have an oak with a rope hanging from a limb. The rope has had a big wad of healthy moss all up and down it's length for as long as we have lived her. that's about 13 years. But there is not a dab on the tree nor any in our other trees. I have always heard that it won't live on a healthy tree. I wonder if that's true. |
It's not that it won't live on a healthy tree. But it does better in the improved sunlight and air circulation of a tree that allows more of that in to the bromiliad. Hence, sickly trees may end up with flourishing SM! |
- Posted by HALLNGARDEN (My Page) on Thu, Oct 7, 04 at 13:11
My daughter lives in Charleston so I brought home a bunch to try. I live south of Charlotte, it lived in my trees long enough for the birds to transplant it in my neighbors trees making nest. My neighbors came over to tell me, just in case I would think they had taken the moss. Yeah, right, don't think they would have climbed 100 feet into the air and put it in their trees. Everytime I go to Charleston, I bring home a big hand full and put it in my Crepe Myrtle. It stays there about a week before the birds take it off for nest. Hallngarden |
- Posted by girlsaylorz9a 9a (My Page) on Fri, Oct 8, 04 at 14:09
Wilmingtonislander, A hoophouse is just a greenhouse, of sorts. It is a walkout from their second story bedroom, constructed on a balcony. They heat theirs in the coldest part of winter, and seem to grow all sorts of tropicals in it. Everything goes outdoors in the summer there, then back into the hoophouse for the cold months. girlsaylor |
- Posted by Wilmington_Islander 9A/Sunset 28 (My Page) on Fri, Oct 8, 04 at 14:14
AHhh...you learn something every day if you aren't afraid to ask the question! SOunds cool. |
Interesting that some can transplant s. moss. I have brought some home from the park three blocks away. Tried it in an old camilla and the live oaks. It keeps jumping off. Just won't stay in the trees. Thought it might be because I live closer to the marsh, but a friend took some up to his place in the Charleston neck area and it jumped out of his trees also. |
- Posted by stoweboard 7BVA (My Page) on Mon, Oct 18, 04 at 10:42
I have got an experiment going. I have transplanted SM from Va Beach to my home in Williamsburg Virginia. I placed two clumps in two bald cypress trees in the back yard and a clump in a young loblolly pine in the front. Also put a clump in a natural setting in a swamp behind our property. I have noticed an increase in all of these clumps over the summer and have watered them down in the morning on less humid days. Now that the winter is coming I plan I keeping the humidity high by giving them a bath when able and keeping the ground moist underneath the tress. I will keep you updated.. No birds have taken anything yet but time will tell. Any thoughts or tips to help this SM experiment? |
- Posted by Wilmington_Islander 9A/Sunset 28 (My Page) on Mon, Oct 18, 04 at 13:15
SOunds like a good one and one with lots of chance of success, seeing as you are only "moving them" a very short distance away from their native habitat. If memory serves me correctly, there are some stands of native spanish moss in the creek "bottoms" around Williamsburg anyway. |
I grew up in S.Louisiana, now live in SC near Augusta GA. As others have indicated, Spanish moss needs HIGH, high humidity. I don't see much of it in my area except on a few trees on the banks of a few ponds; a hundred feet away from the ponds there's no moss at all on any tree. Obviously the microclimate near the water suits it well. So unless your climate is consistently humid it might not do so well. I have heard that the name comes from the fact that the moss is found in roughly the areas the Spanish explored on the eastern N.American continent--coastal Carolinas through Florida and Gulf coast. |
- Posted by Wilmington_Islander 9A/Sunset 28 (My Page) on Tue, Oct 19, 04 at 8:56
I've heard a similar, but different explanation. The Indians thought that it looked like the Spaniards' beards, and so the name stuck. And you are absolutely right about the need for high humidity for them. |
- Posted by alteredstate SCCoastal 8b (My Page) on Tue, Oct 26, 04 at 16:05
I'm in Coastal SC and have no Spanish Moss on my live oaks! I can't figure it out. I've considered a late-night raid on the trees down the road. |
- Posted by Wilmington_Islander 9A/Sunset 28 (My Page) on Wed, Oct 27, 04 at 9:08
Please do it if you like. It'll most certainly "take" where you live. I have transplanted lots of moss from broken limbs after windstorms from my mature Sand Live Oaks, to a 14 foot young "true" Live Oak that was planted when I moved in my house. Its definitely grown and taken off. |
- Posted by stoweboard 7BVA (My Page) on Sun, Nov 7, 04 at 20:46
Williamsburg update on Spanish Moss. We are flirting with a freeze fairly soon and I understand the ability of the moss to handle it i will be watching closely. I have seen significant growth in the moss over the last month or so and I will continue to give a mist when humidity drops, not much I can do about the temp. Just a note when visiting VA beach today I saw the moss did not have a real preference as to the host tree just the proximity to the water source seemed to be the limit. All over holly and Cypress and even pine. Thought I would see a pattern but did not. Wilmington islander I have not seen any moss in the creek bottoms around here if you have any specifics I would love to find out. Thanks for reading everyone. updates as we go into winter! |
- Posted by Wilmington_Islander 9A/Sunset 28 (My Page) on Mon, Nov 8, 04 at 9:01
Whats the name of that "natural area" or state park where some famous Revolutionary battles took place? Take a walk down there...also, go anywhere near the "Great Dismal Swamp" in SE VA and you will think you are in Savannah or tallahassee. |
- Posted by DeltaTropicsGuy 8a TN (firstname.lastname@example.com) on Thu, Nov 11, 04 at 1:30
Spanish moss in Memphis, TN. You can find it in Memphis, if you look hard enough. Occasionally people have some in their yards. |
Here is a link that might be useful: Spanish moss in Memphis, TN
- Posted by Wilmington_Islander 9A/Sunset 28 (My Page) on Thu, Nov 11, 04 at 9:11
How long have you had it transplanted there? With the general warming we have experienced, i wonder if it will ever "take" and start to naturalize that far north? The furthest north I have ever seen it naturally in the Delta is in extreme southern Coahoma County, MS, south of Clarkesdale. It is very "spotty" from there until you get down to Sharkey/Issaquena counties just north of Vicksburg where it starts to get "thick" and much more common. Memphis has plenty of humidity for the stuff..just watch out for those occasional horrific blue northers...thats what kills the moss IMHO. Dry and cold in combination is what does them in. Good luck and post any other unusual/tropical stuff you see in Memphis...I for one, will usually know which street.neighborhood you'll be talking about! |
Wilmington, way back in this thread you mentioned a native stand in Delaware! Where exactly is it? I've been trying to track down any spanish moss that may be in Maryland ever since I noticed a recent state issued map of the state mentioned it as being a native plant. I've tried Battle creek cyprus swamp in calvert co. (southern maryland), but there was none that i could find. There's a cypress swamp on the border with delaware on the eastern shore that I have yet to check out. |
- Posted by FLneedsTREES 9b or 10a (My Page) on Thu, Dec 23, 04 at 9:52
http://reference.allrefer.com/gazetteer/C/C12652-cypress-swamp.html The above link is for Delaware. The one below is MD in case you weren't aware of any there. http://calvert-county.com/cypress.htm On a personal note... It's just not fair that you have swamps and so much harwood forest and so much of that can still be enjoyed and not overrun by invasive species. It's just not fair! |
- Posted by stoweboard 7BVA (My Page) on Thu, Dec 23, 04 at 12:02
I believe that looking for SM in Maryland or Delaware is not going to happen. I have also seen reference to SM in literature ( woody plants of Maryland)that claimed that there was SM at the Pocomoke river but not in modern times. I have visited Calvert county, southen delaware i.e. trap pond and the pocomoke and never had seen any moss. Plenty of cypress and reserection fern but no SM. I live in Williamsburg and have only seen moss as far north as VA beach, Dismal swamp and surrounding areas. Plese let us know if anyone has proof that Seashore state park AKA first landing in VA beach is not the northen most spanish moss stand! By the way my transplaned moss in Williamsburg is doing fine even after a cold snap and 14 F one morning. It's 66f and humid today, gotta love the temp roller coaster... Happy Holidays....!!!! |
- Posted by Wilmington_Islander 9A/Sunset 28 (My Page) on Wed, Dec 29, 04 at 9:31
I haven't seen it myself, but FLneedstrees was kind eough to post the reference I was referring to. |
We recently had an article in the paper about SM. The writer said that it needs an average 63% humidity area. He pointed out that this could be in an area that was damper than a nearby area because of air currents, etc. Cold air doesn't hold as much moisture as warm air, so perhaps it is the actually the humidity rather than the temperature that controls the growth in some areas. |
Hey, this is my first post; i'm glad i found an interesting topic. I currently go to school at USC in columbia, sc and i have noticed that spanish moss grew along the banks of the congaree and in the nearby swamps just east of town. About a year ago i went to first landing state park in va beach and brought back some moss to my home just outside of richmond. It has grown well in some of the oak trees around our property, although the clump that i put in a holly tree has died. I also noticed that birds like to take it, which is kinda annoying. I plan on bringing back some more next time i visit va beach and try to grow it around a pond on our property to see if it presents a good microclimate. |
I personally saw a large, thick, native stand of moss in Delaware many years ago - in the early 80's. I had moved to the Eastern Shore from the Lowcountry so I was certain it truly was Spanish Moss. If my memory serves me correctly, this was well east of the Trap Pond area, although I do remember some being there also. Maybe between the Selbyville area and the beach? Isn't there a wetlands in that area????? With all the growth there now it would be a miracle if that moss was still around. |
- Posted by Wilmington_Islander 9A/Sunset 28 (My Page) on Wed, Jan 5, 05 at 9:11
I find this interesting on many levels. For some reason this makes me think of a fraternity brother of mine at UGA who was from Delaware...and would get bent out of shape because so many teased him as a "yankee". He would adamantly state that people from Delaware WERE NOT YANKEES. All this talk of the spanish moss makes me think he was right. Happy New Year everyone. |
- Posted by BLOOMING_ANNIE z 8/9, Chas, SC (My Page) on Sun, Jan 9, 05 at 19:13
Wow, who would have ever thought a thread about Spanish Moss would be so interesting? I just opened this thread today after noticing how many post it had. I had no idea S.moss would grow as far north as Delaware nor as far inland as Memphis, humidity or not. Very cool! Does it seem to anyone else that it is more common in older neighborhoods with mature landscapes? My neighborhood has lots of very large, old live oaks but was otherwise cleared until about thirty years ago. We have almost no spanish moss but an older (as in a hundred plus year old) neighborhood a half mile away is loaded down with it. Those older neighborhoods are much shadier which seems like a negative when it comes to Spanish moss. Just seems that shady, dense-canopied neighborhoods have more s. moss. I think I may have to try to transplant some! |
- Posted by Wilmington_Islander 9A/Sunset 28 (My Page) on Mon, Jan 10, 05 at 9:17
While there is apparently a stand of native moss in Delaware, there are no native stands in Memphis. |
I like Spanish moss, too. You don't have to have the perfect spot, you can cultivate it. I used to grow it in south Florida on a tree with lots of other bromeliads. I sprayed water over the tree weekly (if it didn't rain) and added 1/4 strength liquid fertilizer solution during the growing season. The Spanish moss grew so well, I had to thin it out a few times each year just to see the other bromeliads. A friend of mine in the Bahamas cultivated Spanish moss on small hoops of wire and used clothes pins to attach them so he could move them around. Earlier comments are correct that the plants need good air circulation and sunlight. |
I have found the map that I saw earlier that mentioned spanish moss in Maryland. It is the 5th edition of ADC maps Maryland and Delaware street map. It has a blurb about the diversity of Maryland and proclaims that the state contains "vast riverside stretches overgrown with spanish moss". This is extremely perplexing. Either they are very confused or there is some river on the eastern shore that we're all forgetting. Worcester county is the only county that lists tillandsia usneoides as a rare or endangered plant on its official list, so perhaps we can limit the search to just that county. |
- Posted by WannaBGardener 8b & 4a (My Page) on Mon, Mar 14, 05 at 9:03
A fact that I find interesting is: Pensacola Fl. is on one side of Perdido Bay, Lillian Alabama is on the other side. Pensacola has loads of the stuff all along the bay, but here on the Lillian side we have none. Some of us have carried it over to our side of the bay, but it seems to just dissapear. For one thing the Blue Jays love to line their nests with it. |
- Posted by iDixieRose z8b Coastal SC (My Page) on Tue, Mar 15, 05 at 0:09
This is an interesting thread. I wish I'd begun reading it earlier. I don't know if this is the truth, but I recall someone telling me there was a blight on SM in South Carolina back in the 1970s which wiped out the moss in some areas and it has been slowly returning. Which explains why there's not much moss in some areas, even though the climate is suitable. |
- Posted by Jodizbirdz 9a CA (My Page) on Thu, Jun 16, 05 at 17:28
I've just found this site & read all these posts and thought you might be interested to know that I have had a couple small clumps of spanish moss growing from a fruitless mulberry tree in Southern California for 3 years. It hasn't grown in size much, but is beautiful and flowers every year. I just ordered 10# of it from Florida and plan to hang it from a very large locust tree in my yard. I also grow tsilandsia. We have some humidity and hot summers with usually mild winters, but it's not nearly as humid as in FL or GA or SC, etc. Anyway, I enjoyed your posts and hope my new shippment will adapt well. Jodi |
You all have made me so homesick!!! Jodizbird..I guess we never know unless we ask but what does the flower look like? I just think the moss is wonderful..cannot grow it in Middle TN. but I sure have some of it under glass, etc.. but would just love to hear how and when it flowers?? |
I know this thread is old. But I hope I can add some information that I have not only come across but also learned first hand. First, Spanish Moss is a beautiful, wonderful, and mysterious plant. Second, SM is more moisture dependent than temperature dependent. I think we established that already. I live on Kent Island, an island in the northern Chesapeake Bay, and I have had Spanish Moss on my loblollies (southern pines) for years. Third, birds love SM when it is not found abundantly in their ecosystem. They will take it and run. I have replenished my SM several times from Va Beach, NC, SC, and even GA. Fourth, SM grew once but is now classified as extirpated (if that is the right word) or extinct, in Maryland. I have never seen it anywhere in Maryland except on my pine trees and I did put some near Ocean City Maryland once on route 90. Not sure if it is still there. Fifth, I never saw the moss in DE though I lived in Ocean City, MD for many years (very close to this area). I am not saying it wasn't there. I did look for it though. I read that it was historically present along the Pocomoke R. in Worcester Co. but is now gone. Along Route 54 in the cypress forest, no moss can be seen. Sixth, I am aware of the northern Cypress stands in DE, Calvert CO, MD and Worcester CO, MD. I have been to these areas and the bald cypress even grows on Kent Island where I grew up, though planted. But the presence of cypress doesn't indicate the existence of Spanish Moss. Seventh, it is all about microclimate. Moisture does it for SM. Eighth, DE was a border, slave state so some Delawareans take offense at being called Yankees (see previous post). Most of DE was agricultural but by the time 1860 rolled around, there were less than 2000 slaves in the whole state. I digress. In my analysis.....Spanish Moss will grow where it doesn't presently thrive but it needs moisture, warmth, a host tree with nutrients, and good air. Further, where live oak live occur naturally....Spanish Moss does (to VA Beach) Where Alligators live naturally, sabal palms do (About Wilmington, NC) See the trend? But trends aren't static. Hence my sabal and needle palm as well as my loblollies full of moss on Kent Island, MD. |
I must be the only person on here who wants to get rid of the spanish moss. I have 5 acreas of land with mostly oak trees on it. Not the live oak, but scrub oak, or as my daddy puts it water oak. I'm not sure the exact type myself, just know their not the live oaks. Anyhow, these trees are covered in moss! It is taking over everything. I have a lot of dogwood trees, but you wouldnt be able to tell come spring because of all the moss on them. I pull down what I can reach,(thank goodness the moss I have doesnt have the red bugs, been here for 2 years now and havent been bit yet!) but it doesnt put a dent in it. Does anyone know a way to get RID of it? |
- Posted by stoweboard 7BVA (My Page) on Wed, Jan 25, 06 at 19:04
This is in reply to the fellow from Kent Island Md. I agree 100% I have had SM on a pair of Bald cypress in my back yard in Williamsburg and they do just fine. Birds steal it and I replace what is taken. I have noticed that in the northern part of the range of SM that the moss clings to the trunk of specific tress that slough off the nutrients. Cyress, oaks, even rough barked pines. Anyone who wants to see a great example go to Va Beach. I have some die back each year with SM but recovery is full by the end of summer. I am from MD and have never seen it in the Pocomoke or Trap pond area or anywhere north of Va Beach. Would love to know if there is a spot outside of seashore St Park AKA 1st land that SM grows in Virginia. I was thinking of trying ball moss that I have seen in FL next but this maybe pushing it! Thanks for the read Kent Island. |
Interesting blog...thought I would let you all know that I transplanted spanish moss from Florida to my home in Evansville Indiana two years ago and it flourished. In fact, I noticed that it is now in my neighbors tree (assuming that the birds re-located it). I have also grown windmill and dwarf palmetto palms here outdoors without any problem. Everything has survived 0F with only minor burning to one of the windmill palms. |
Spanish moss grows in several areas in Virginia Beach. It grows in Seashore State Park (now called First Landing State Park) in abundance and also on Knotts Island in southern Virginia Beach. There used to be more that grew throughout the area, but development has cut back on their habitat. Other then the Dismal Swamp in neighboring Chesapeake/Suffolk I do not think spanish moss grows (at least as a native plant) north of Southeastern Virginia. There is a stand of native sabal palms in an undeveloped area of Virginia Beach between the sand dunes. It is called False Cape and it was reported in the local paper. Also alligators live in Tyrell County North Carolina, which is about 60 miles south of the Virginia line... much futher north then Wilmington.. they are not as big.. but the live in the Alligator River |
Ran accross your article regarding Spanish moss. I think it occurence is sporadic(especially at its northern limits) due to inadvertent or intentional introduction, but locally abundant in the deep south. I can tell you for sure that it can be found in the Seashorepark in extreme SE VA just north of NC and it is present in the cypress trees of the Chicahominiy river from James city county (the mouth of the river) up to Hanover county (just north of Richmond). The presence varies from year to year, but I have seen it and it is well known. I think it varies with the winter, the warmer/wetter the winter the more you see. South of Fredericksburg VA it doesn't drop below freezing to often and if it does it is not consistent enough to freeze over any large body of water. Big snows are very rare from Richmond south and east. In fact, below is a Va. Game Warden, Greenlee, refering to where you can find it in the swamp (Va. Game and Fish digest excerpt). I have personally seen it on that river as recently as 5 years ago just east of Richmond on the outskirts of town in the New Kent/Hanover/Henrico area: "At the mouth of the Chickahominy River anglers can For more information on the Tidewater Region, call |
How fast does Spanish Moss replenish itself? Here in New Orleans, Katrina blew away most of what was hanging around. There's just little patches here and there that will hopefully repopulate the city. I would transplant some fram Lafayette but I'm worried about unintentionally transporting a bug or disease in. We have enough problems here without adding a new fungus to the mix. |
- Posted by greenturtle116 z7 MD (My Page) on Thu, Jul 26, 07 at 16:28
dmason - when have you seen spanish moss on the chickahominy river? I just spent the last 2 years living in Richmond and have spent a lot of time on the river for pleasure and work research and never saw any moss along it, and ive been on parts from the Mechanicsville turnpike crossing all the way to its mouth in james city/charles city. Lots of nice cypress trees, but no spanish moss to be found. I agree the weather warms quickly as you travel south of fredericksburg, it was a pleasantly warm supprise seeing that my home town is only 70 miles northeast as the crow flies, but a good 4-6 degrees colder on any given winter's day. I've tried transplanting the stuff to southern maryland, it didnt totally die, tho it would look rough every winter, but be followed with new greenish grey growth and yellow flowers in the spring, alas the birds do love the stuff and its all but been pilfered. I also lived in salisbury for 4 years and did lots of recreation and research along the pocomoke from southern delaware to near its mouth, and have been to the wildlife refuge near roxana/bethany beach in southeastern delaware, and again, no spanish moss. Unless someone can physically show me where it exists north of first landing park in VA beach, then that is where i believe it to have found its northern terminus. Richmond may have mild winters, but virgnia beaches winters are another 4-7 degrees warmer than those of Richmond thanks to the bay and ocean. |
interesting. I have Spanish Moss in the oak outside that occasionally migrates over to the small palm tree or big clumps of it will hit the ground... I just pick it up and throw it back in the ree. neat that so many people like the stuff - it ievokes wonderful childhood memories for me! |
- Posted by tennesseestorm 6B-7A (N.E. TN) (My Page) on Fri, Nov 2, 07 at 0:02
When we were in Lancaster, South Carolina (just southeast of Charlotte), I seen several trees that were heavily draped in Spanish Moss. I remember telling my dad I was suprised to see it that far north. Also at this point though we were seeing a good deal of palm trees. I live in Bristol, TN and have Spanish Moss growing in some of my trees that came from Florida. I have some of it in my Willow Oak, Bald Cypress and some on a Leyland Cypress and a little on a Southern Red Oak. I will probably have to bring it in this winter, as we can sometimes have "record lows" below 10°- which would be 15° below average for us, even in the coldest part of winter. I even have Live Oaks growing here, which have done very well, but they are not large enough for me to drape the Spanish Moss in them yet. |
- Posted by novaplantguy_z7b_8a Alexandria, VA 7B/8A (My Page) on Tue, Feb 17, 09 at 21:11
Very cool thread! I know this thread is OLD now, but Im just curious if anyone here who tried to grow it in areas outside of its native range, succeeded in doing so? I love the stuff, and have grown it here in NoVA along the potomac, but alot of it did get pilfered by birds. Its been a couple years now, and the last I saw of it there was still some at that place ( I dont live there anymore) but it didnt look terribly healthy. Anyway, hopefully some who were updating thier "experiements" with it will update us all again. FYI, Im from MD just outside of DC and have traveled extensively in DE/MD/VA, and I do not recall ever seeing any stands of it, except for extreme SE, VA. I believe its possible it could grow along some of the big lazy coastal rivers on the eastern shore of MD/southern DE, but perhaps the frigid cold snaps of the early to mid 80s really did whatever was left there, in. Anyway, great thread!!! |
I live in Columbus,MS and I have for the last 4 years had some SM in my back yard in our Oak tree. It seems to be doing very well and has spread through out the tree. Even with cool temps in the winter it still seems to do good here and I dont live near water. |
Born and raised in southside Virginia but moved to Mobile in 1976 for work. Love it here but still miss Virginia. I return each summer to visit family. I have always been interested in southern plants native to Virginia and in particularly spanish moss. When I come up for a visit I always try to find spanish moss growing naturally in the state. The 'Digital Atlas of Virginia Flora' list moss as native to the following places in the state: Va. Beach, Norfolk, Suffolk, Cheasapeake, Isle of Wight Co., York Co., Northampton Co., and Southampton Co. Supposedly there are natural populations of spanish moss in those places. Except for Va. Beach, Norfolk, and Lake Drummond in the Dismal Swamp, can anyone tell me where I can see natural populations in these other places. Simple directions would be helpful as I am good at finding locations. Thanks |
Gasp, but if you do need to kill or "thin out" spanish moss, spray it with any fertilizer that has COPPER in it. It leads to death in all bromeliads (of which SM botanically is). Also, could y'all venture to the FLorida Gardening forum and help put this one nut in her place insisting that SM is a fungus and it's the reason live oaks in the lower portion of hte peninsula are dying (and not the droughts)?!!? |
Well, I don't know how it got there, but I'm delighted to report that there is some spanish moss hanging in the four or five live oaks they have at the National Arboretum in Washington, DC. There's not that much of it there, but there is some in each tree. The live oaks themselves are only about 10-20 feet tall, and are actually planted quite close to each other, which might be a problem as they get older, since it's such a wide tree when mature. I'm guessing that someone has purposefully put the moss there, but not sure if it's the arboretum staff or perhaps some enterprising spanish moss lover that transported some up from the south! |
my horse LOVED to eat moss, it was a treat to him!! |
- Posted by Derek don't know(email@example.com) onTue, Feb 1, 11 at 20:24
I reside in Va. Beach, yes, near bodies of water (First Landing SP, NW River Park, Back Bay, etc.) the moss can be seen on trees in the area, though don't get very far from water before it's gone (the live oaks and magnolia's still thrive a good distance from the coast. Dismal swamp in Suffolk and Chesapeake has lot's of trees that it hangs from as well. Moved bakd to SE Va. in 2010 from SW Fl (Lee county), now that's real SM territory, the stuff is everywhere, your front porch if you're not carefull! |
- Posted by va(email@example.com) onWed, Apr 20, 11 at 15:56
growing in chesterfeild county about 30 min south of richmond |
- Posted by Greg 8b(email@example.com) onWed, Jun 1, 11 at 18:48
I live in Austin, TX, and we appear to be near the western edge of where SM grows naturally. We have plenty of ball moss, but SM is very rare. However, there are a few big oaks on the western approach to downtown that are pretty full of it, and given its appearance and location (between busy intersecting freeways), I think it grew naturally and wasn't transplanted by anyone. Once in a blue moon, I'll spot some while driving in the Hill Country, but it's never lush and could well have been transplanted. I'm curious if anyone here knows how far west into Texas it's found, e.g. has anyone ever seen it in creeks or rivers far inland? Also curious if anyone has seen it in Arkansas. Years ago I remember seeing a tourism commercial for Arkansas with a swamp shot of cypresses full of the stuff, but have traveled much of southern Arkansas and never seen any. |
I live in coastal Delaware. One of my neighbors discovered a few small strands of Spanish Moss growing in his crape myrtle tree this past summer. I assured him it was native to our area, but not very visible in nature as it grows more singularly rather than big mossy clumps. As far as Delaware's geographic classification, its definitely not Yankee, especially not in southern part of the state. Nascar, rebel flags, Wednesday night bible revivals, red necks, cypress swamps, grits, collard greens, and black eyed peas on New Years Day. A Border State in the Civil War, Mid Atlantic, North End of the South East, but NOT Yankee. |
Question. How do you know if Spanish moss is alive or dead? The moss in the trees looks the same as the moss that fell to the ground which looks the same as the moss bought in bags at the store. |
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30 April 2010
Innovative research projects which are helping to add more to the positive environmental profile of steelmaking and offer an alternative solution to animal testing - have been recognised at the University's annual awards ceremony.
The University's Innovation Awards are designed to recognise and celebrate the links and successful collaborations forged between the University and industry.
The 2010 Innovation Prize went to a successful collaboration between the School of Engineering and steelmaker Corus, part of the Tata Steel Group, based in South Wales.
The project created a Centre of Excellence in Energy Optimisation, By-Product and Waste Management with the objective of exploring more energy efficient and materials efficient technology, both of which contribute to the business' competitiveness and also contribute to environmental care.
(From left to right) David Baynes Fusion IP, Vice-Chancellor Dr David Grant, Lianne Deeming - Corus Strip Products, Professor Tony Griffiths - School of Engineering, Richard Thompson - Finance Wales
Leading the collaboration Professor Tony Griffiths, School of Engineering, said: "This project is an excellent example of how University knowledge and expertise can help a vital part of the Welsh economy and a key employer share knowledge and meet industry challenges.
"In particular, it is helping the company address some of the longstanding steel industry problems – especially the unwanted waste product of zinc in recycling of steel.
"It's also an excellent example of how we in the School of Engineering can apply our knowledge to industry through skills transfer."
The collaboration was also recognised for helping the Corus workforce gain new skills. Corus employees receive University training in new areas of safe combustion, which is helping to improve energy efficiency and reduce accident levels.
The 2010 Innovation Award went to a collaboration between the School of Biosciences and Q Chip - a University spin-out company which specialises in innovative drug delivery methods.
Led by Dr Kelly BéruBé, the 'micro-lung' project has developed a novel 3D growth system for the culture of lung cells. The new method is designed to mimic human tissue and will offer an alternative solution to animal testing and further insight into lung disease mechanisms
Dr BéruBé said: "We are delighted that the research we've developed has been recognised in this way.
"This research, working alongside Q Chip, has enabled us to develop a novel method of growing cells to help generate environments that more closely resemble those experienced in the body, so we can generate conditions that correlate with the results we would expect to see in humans."
Ceri Delemore Geldards Law, Dr Kelly BéruBé Cardiff School of Biosciences, Ms Claire Gibson - Q Chip Ltd, Vice-Chancellor Dr David Grant, Dr Jo MacPherson Q Chip Ltd and Ian Smith Q Chip Ltd
Also recognised was the development of a novel "Virtual Patient" Ultrasound Simulator for Cardiff spin-out company, MedaPhor Ltd. The joint project, led by Mr Nazar Amso from the University's School of Medicine with Professor Nick Avis from Cardiff's School of Computer Science and Informatics, has developed groundbreaking new equipment to train students in sonography.
University Vice-Chancellor Dr David Grant, who hosted the awards ceremony, said: "The University's Innovation Awards, now in their eleventh year, are an opportunity to celebrate the links and successful collaborations forged between the University and industry.
"This year's winners are yet again examples of the work that the University is doing to help support Welsh industry and develop new and innovative business solutions.
"On behalf of the University, I congratulate the award winners for their outstanding achievements."
Previous award winners have included the design and commissioning of a new material recovery facility and the production of low carbon affordable housing using homegrown Welsh softwood.
The Innovation Awards are a key part of the University's Innovation Network. Founded in 1996, Cardiff University Innovation Network aims to develop a strong network for business in the regional knowledge-economy.
The Network provides opportunities for business to business and business to university links across all disciplines.
The 2010 awards were sponsored by Geldards Law Firm, Fusion IP and Finance Wales.
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