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Neil Mason | August 7, 2014 | Comments
Analytics can only effectively change your marketing when the rest of the business buys into their importance - from the chief executive all the way down the line.
Sometimes it can feel that getting value from analytics can be a bit like a weight-loss program (well, mine at least); you can get some good results quite quickly but then you hit a wall and it can be a struggle to keep going. Initial enthusiasm gives way at some point to the dawning realization that it's getting harder and harder to move the needle.
This type of experience can be typical where the drive to create analytical capabilities for the business comes from the "bottom up" rather than from the "top down," i.e. in circumstances where the analytical capability is perhaps being developed in isolation to the context of the rest of the business. Quick wins can be made and low-hanging fruit can be plucked, but after a while the marginal effort required for the same amount of gain gets harder and harder. At that point something needs to change. My own experience from back in the dot-com days is a good example.
I joined the business to set up the analytics function, reporting to the chief executive (CEO). The CEO's brief to me was clear and straight forward. "Neil," he said, "we're flying blind here. I want you to turn on the lights." It was a great brief. I had a real opportunity to effect some change, it was essentially a green field site for analytics. The existing Web analytics capability was basic and rudimentary (even by the standards of the time), the customer database was a combination of Excel and Access, and there was no customer insight in the business. The business was doing OK, riding the dot-com wave, but it was, as the boss used to say, "profit by surprise."
I set off like a man on a mission. With the CEO's support I was able to start to bring in the analytical technologies and resources that I thought were needed. We brought in a new Web analytics technology. We developed a bespoke transactional and customer data warehouse in Oracle and put a business intelligence layer on top of that to give daily reporting. This all took time but it got to the point where I was able to start delivering analytics to the business. There were indeed the quick wins as we found issues with the customer journey and the commerce platform we were using. In fact, most of the quick wins were product-related but where I was struggling to make an impact was in the marketing side of things, an area where we were spending significant sums of money.
The challenge I was facing was this: whilst the CEO had a vision about what analytics could do for the business, his enthusiasm wasn't necessarily shared by other members of the senior team. It wasn't that they were particularly "anti" what I was trying to do, it was just that they were a mission themselves and were focused on other things, like spending the marketing budget. My suspicion was that there were plenty of opportunities for campaign optimization but I didn't have the mandate, support, or all the data I needed to dig into it properly. I realized that I was pushing at, what felt like, a closed door. Something needed to change. I needed to find an open door, otherwise I was in danger of going out of business.
Luckily I found one in the form of one of the managers in one of the divisions. He was struggling to put together a business case for a partner deal he was trying to develop and he wanted to know if I could help. I had a box of new toys that I wanted to play with and so naturally I was keen to help! Working with this guy, I learned more about the mechanics of the business and therefore was in a better position to understand how I could help. The manager got the data and the analysis he needed to help secure the deal and at the same time developed an understanding of how good analytics could help him develop his business. It was a mutually beneficial relationship.
Importantly for me, though, I had an advocate and a marketing-related case study. This is what I needed to bridge the gap between the aspiration and vision of the CEO and the pragmatic realities of operations on the ground. The CEO didn't need convincing about the potential benefits of analytics but the rest of the organization was further behind on the learning curve. Having that advocate and that case study were important to me in terms of the one thing that all analysts sometimes struggle with: effecting change.
Analytics can only effect change when the rest of the business buys into the notion. That "buy-in" may come from the top, but as I found out in my experience, it often needs more than that. Successful analytics is as much about "hearts and minds" as it is about databases and spreadsheets.
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Neil Mason is SVP, Customer Engagement at iJento. He is responsible for providing iJento clients with the most valuable customer insights and business benefits from iJento's digital and multichannel customer intelligence solutions.
Neil has been at the forefront of marketing analytics for over 25 years. Prior to joining iJento, Neil was Consultancy Director at Foviance, the UK's leading user experience and analytics consultancy, heading up the user experience design, research, and digital analytics practices. For the last 12 years Neil has worked predominantly in digital channels both as a marketer and as a consultant, combining a strong blend of commercial and technical understanding in the application of consumer insight to help major brands improve digital marketing performance. During this time he also served as a Director of the Web Analytics Association (DAA) for two years and currently serves as a Director Emeritus of the DAA. Neil is also a frequent speaker at conferences and events.
Neil's expertise ranges from advanced analytical techniques such as segmentation, predictive analytics, and modelling through to quantitative and qualitative customer research. Neil has a BA in Engineering from Cambridge University and an MBA and a postgraduate diploma in business and economic forecasting.
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Road woes wear on for Timberwolves in loss to Suns
PHOENIX (AP) -- Channing Frye hit seven of Phoenix's 15 3-pointers, Steve Nash had 19 assists and the Suns outlasted the Minnesota Timberwolves 128-122 Wednesday night.
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Stop Animal Cruelty!
Animal cruelty is a global problem - together we can help stop it! As many may know, animal cruelty is a well-known problem. However, people constantly need to be reminded of even the largest problems in the world.
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Listening to jazz and drinking wine have become some of man's top recreational activities, just after contemplating infinity and napping in the fridge. Let smooth saxophones entertain you with this Groupon.
Choose from Three Options
- $29 for Sunday brunch for two, valid only at the Wheeling location (up to a $59.98 value)
- $30 for steakhouse cuisine valid only at the Wheeling location worth $60 Monday-Thursday or $50 Friday-Sunday
- $30 for steakhouse cuisine valid only at the Evanston location worth $60 Monday-Thursday or $50 Friday-Sunday
Brunch—which is served from 10:30 a.m. to 2:30 p.m. and accompanied by live jazz music—includes a surfeit of seafood, carved meats, and made-to-order waffles and omelets. Click to view the dinner menu.
Pete Miller's Seafood & Prime Steak
With live jazz music, USDA Prime steaks aged at least 21 days, and the freshest of seafood, Pete Miller's Seafood & Prime Steak is a living tribute to the colorful life of Harold "Pete" Miller. Miller grew up an avid hunter, studied History in college, and earned a Purple Heart as a marine in WWII. He even spent time slinging hats, before eventually settling on becoming a music salesman—a profession that would ignite his love of jazz and lead him to the rhythm-rich city of Chicago. Once settled, he discovered the Davis Street Fishmarket in Evanston where he became a regular, albeit outspoken, patron. He incessantly offered recommendations and recipe suggestions, eventually inciting the chef to hand him an apron and shout, "Do it yourself if you think you know so much!" Miller accepted the challenge and kicked off his culinary career with his usual flair and spontaneity.
Today, the pair of restaurants proudly carrying his name keep his legacy alive, hosting live jazz almost every night of the week, just like he would have wanted. In addition to the regular dinner menu, which features the likes of whole steamed lobsters and bone-in fillets, there's also a bar menu that boasts more casual eats, such as burgers and sandwiches dressed in khaki slacks. The Wheeling location's 250-seat patio features a granite bar with room for 50 people, as well as three huge fireplaces.
The service was wonderful without being obtrusive. I had one of the best restaurant steaks in the North Shore ever!
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'Artificial leaf' widens reach with self-healing capacity
The "artificial leaf" can harness sunlight to split water into hydrogen and oxygen without external connections (CREDIT: Dominick Reuter)
The world's first practical "artificial leaf" can now self-heal damage that occurs during production of energy.
The innovation means the leaf, which mimics the ability of real leaves to produce energy from nothing other than sunlight and water, can now be run on dirty water making it even more suitable for providing people in developing countries and remote areas with electricity.
Daniel Nocera, described the advance during the "Kavli Foundation Innovations in Chemistry Lecture" at the 245th National Meeting and Exposition of the American Chemical Society, which runs until Thursday.
Nocera, leader of the research team, explained the device is a simple catalyst-coated wafer of silicon, rather than a complicated reproduction of the photosynthesis mechanism in real leaves.
Dropped into a jar of water and exposed to sunlight, catalysts in the device break water down into its components, hydrogen and oxygen and those gases bubble up and can be collected and used as fuel to produce electricity in fuel cells.
"Surprisingly, some of the catalysts we've developed for use in the artificial leaf device actually heal themselves," Nocera said. "They are a kind of 'living catalyst.' This is an important innovation that eases one of the concerns about initial use of the leaf in developing countries and other remote areas."
Nocera, who is the Patterson Rockwood Professor of Energy at Harvard University, explained that the artificial leaf would probably find its first uses in providing "personalized" electricity to individual homes in areas that lack traditional electric power generating stations and electric transmission lines.
Less than one quart of drinking water, for instance, would be enough to provide about 100 watts of electricity 24 hours a day.
And while earlier versions of the leaf required pure water, because bacteria eventually formed biofilms on the leaf's surface shutting down production, the new "self-healing" design means it can be used in the natural environment.
"Self-healing enables the artificial leaf to run on the impure, bacteria-contaminated water found in nature," Nocera said. "We figured out a way to tweak the conditions so that part of the catalyst falls apart, denying bacteria the smooth surface needed to form a biofilm. Then the catalyst can heal and re-assemble."
Nocera said that about 3 billion people today live in areas that lack access to traditional electric production and distribution systems and about 1 billion people in the developing world already lack reliable access to clean water.
"It's kind of like providing 'fast-food energy,'" he noted. "We're interested in making lots of inexpensive units that may not be the most efficient, but that get the job done. It's kind of like going from huge mainframe computers to a personal laptop. This is personalized energy."
Earlier devices used rare, costly metals and other materials, involved complicated wiring and were expensive to manufacture, but Nocera's artificial leaf uses less-expensive materials and incorporates a design — called a "buried junction" — that is simple and would be inexpensive to mass produce.
And the leaf has advantages over solar panels, which are costly and produce energy only during daylight hours, as the leaf's hydrogen and oxygen can be stored and used at night.
"A lot of people are designing complicated, expensive energy-producing devices, and it is difficult to see them being adopted on a large scale," he said. "Ours is simple, less expensive, and it works. And with that, I think we've changed the dialog in the field."
Among the team's priorities for further development of the device is integrating it with technology for converting the hydrogen into a liquid fuel that could run traditional portable electric generators or even cars.
Nocera acknowledged research funding from the National Science Foundation, the Department of Energy and the Air Force Office of Scientific Research.
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Ollie Genoa Matson
Position: RB-FL
Height: 6-2 Weight: 220 lbs.
Born: May 1, 1930 in Trinity, TX
Died: February 19, 2011 in Los Angeles, CA
High School: George Washington
College: San Francisco (school history) (Matson college stats)
Drafted by the Chicago Cardinals in the 1st round (3rd overall) of the 1952 NFL Draft.
Weighted Career AV (100-95-...): 17 (5307th overall since 1950)
6-time Pro Bowler & 5-time First-Team All-Pro (fine print)
Inducted into Hall of Fame in 1972
Other SR Links: Olympics at Sports-Reference.com
Sponsor this page for $10 and help Pro-Football-Reference.com provide this service. Your message will replace this ad.
The research for this page was done by Scott Kacsmar.
Read his extensive three-part article (Part I - Part II -
Part III) for full details.
View complete leaderboards for game-winning drives and comebacks.


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Reviewed on
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,"Business 170 at HCC is Business Mathematics. This class was very easy. It was almost a review of the math that I had learned in highschool. You learn all of the basics about addition, division, percentages, etc. along with some taxation subjects. It was a good refresher class."


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Mumtalakat 'has no plans to sell assets'Mumtalakat does not plan to sell off any assets this year and would pursue business projects as usual, its top official has said. The sovereign wealth fund's chief executive Mahmood Al Kooheji said this during a keynote interv More… |
Mumtalakat ranked among world's best in transparencyBahrain Mumtalakat Holding Company (Mumtalakat), the investment arm of Bahrain, has been ranked among the world's most transparent sovereign wealth funds. Mumtalakat was rated 10 out of 10 in the 2015 Linaburg-Maduell Transpar More… |
Mumtalakat ranks 42 globally with $10.5bn assetsBahraini sovereign fund Mumtalakat with estimated assets of $10.5 billion has been ranked 42nd globally, according to a report issued by Sovereign Wealth Fund (SWF) Institute. It owns shares in 38 companies representing manufacturing, f More… |
Mumtalakat rules out asset saleBahraini sovereign fund Mumtalakat will not sell any assets or change its investment strategy in response to a likely oil price-driven shortfall in the state budget, it said on Thursday. The fund holds stakes in Bahraini companies More… |
Mumtalakat signs $500m credit facilityBahrain's sovereign wealth fund Mumtalakat has signed a $500 million credit facility with a total of six banks. The participating banks are BNP Paribas, Deutsche Bank Luxembourg, Standard Chartered Bank's Dubai Internation More… |
Mumtalakat signs $500 million loan dealBahraini sovereign fund Mumtalakat has signed a $500 million, five-year loan with a group of banks, sources aware of the matter said on Sunday, with the cash to be used for general business purposes and to refinance existing debt. More… |
Mumtalakat has 'appetite and funds for investment'Bahrain's sovereign wealth fund Mumtalakat has appetite and funds available for investment, its top official has said. Chief executive Mahmood Al Kooheji said he expects next year to be positive for the GCC region, Bahrain and More… |
Bahrain's Mumtalakat set to sell McLaren stakeBahrain's sovereign wealth fund Mumtalakat has agreed to sell some of its stake in McLaren to the Formula One team's overall head Ron Dennis, who is set to become the majority shareholder. 'No transaction has taken pla More… |
Bahrain's Mumtalakat prices $600m sukukBahrain Mumtalakat Holding Company has successfully priced a $600 million seven-year sukuk with a four per cent profit rate. Mumtalakat is rated BBB (stable) by both Fitch and Standard & Poor's, said a report in the More… |
Mumtalakat sets initial price guidance for $600m sukukBahrain sovereign fund Mumtalakat has opened order books after setting initial price guidance for an up-to-$600 million seven-year Islamic bond offering, a document from lead managers said. The firm has set initial price thoughts More… |


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BiON BIO-REPLENISH A-C-E
BiON BIO-REPLENISH A-C-E - BiON's Bio-Replenish A-C-Ereawakens skin that has been damaged by the sun, smoke and the environment. The remarkable new product is a daily use facial moisturizer that will reduce the effects of sun-induced skin damage. Bio-Replenish A-C-E works to control and reverse signs of aging, improve the texture of the skin and uses turmeric to suppress ultraviolet radiation damage (including actinic keratosis and the precursors to skin cancer) to produce younger look and healthier skin. Bio-Replenish A-C-E will reduce the intensity of pigmented lesions and reduce the appearance of lines and wrinkles. This sun damage repair product is full of natural ingredients that repair UVA and UVB damage.
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Philippines Cultural
3 attractions found for Cultural in Philippines
Join us for a lovely day trip to the countryside and embrace local food and culture. Let today be one of discovery and delight as we take you to Quezon, where you'll see majestic old houses, 16th to 18th century churches, a potter's garden and charming dining spots that serve local cuisine.
More »$142.17
Duration: 8 hours
Departs from: Manila, Philippines
Type: Food Tours from Manila
Available: daily at 08:00
Go on a tour around the old Walled City of Intramuros then go to Barbara's Restaurant for a cultural dinner and enjoy a show featuring talented Filipino performers.
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Duration: 6 hours and 30 minutes
Departs from: Manila, Philippines
Type: Tours around Manila
Available: Tuesday Wednesday Thursday Friday at 14:00
Explore cultural Davao by going on this fully guided tour of the city where you'll visit sights such as the Lon Wa Buddhist Temple, Museo Dabawenyo, and People's Park, among others.
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Duration: 3 hours
Departs from: Davao, Philippines
Type: Tours in Davao
Available: daily at 09:00; 13:00


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Elmstone, KentEdit This Page
From FamilySearch Wiki
Guide to Elmstone, Kent ancestry, family history, and genealogy: parish register transcripts, census records, birth records, marriage records, and death records.
Elmstone, Kent | |
Elmstone Parish Church Kent | |
Type | Ancient Parish |
Civil Jurisdictions | |
Hundred | Preston |
County | Kent |
Poor Law Union | Eastry PLU |
Registration District | Eastry |
Records begin | |
Parish registers: 1552 | |
Bishop's Transcripts: 1567 | |
Ecclesiastical Jurisdictions | |
Rural Deanery | Bridge |
Diocese | Canterbury |
Province | Canterbury |
Legal Jurisdictions | |
Probate Court | Court of the Archdeaconry of Canterbury |
Location of Archive | |
Kent Record Office | |
Contents |
Parish History
ELMSTONE, a parish, in the union of Eastry, hundred of Preston, lathe of St. Augustine, E. division of Kent, 2¼ miles (N. E. by N.) from Wingham. [1]
Elmstone is a village in the civil parish of Preston, Kent in the Dover district of Kent, see Elmstone Wikipedia
Elmstone is an Ancient Parish in the diocese of Canterbury and Elmstone with Preston and Stourmouth is part of a group of churches.
The church which is without dedication dates from the 12th century with 14th century extension and restoration in 1878 and 1900. Elmstone Church, Sheerwater Road, Preston has been designated a Grade II* building by English Heritage British listed building.
See Edward Hasted The History and Topographical Survey of the County of Kent: Volume 9 (1800), pp. 131-135 at British History Online and Kent Churches website
Civil Registration
Kent County Council (KCC) has a certificate centre at the Mansion House in Tunbridge Wells which holds all the completed registers for Kent since 1 July 1837 and can supply a certified copy of any Kent birth, death or marriage entry from any register within its custody or a Kent civil partnership registration from the government online database.
The Mansion House
(Certificate Centre)
Grove Hill Road
Tunbridge Wells
Kent TN1 1EP
Birth, marriages and deaths were kept by the government, from July 1837 to the present day. The civil registration article tells more about these records. There are several Internet sites with name lists or indexes. A popular site is FreeBMD.
Church records
Elmstone, Kent parish registers of christenings, marriages and burials are available online for the following years:
FMP = FindMyPast - (£)[2][3][4] | |||||
IGI = International Genealogical Index (FamilySearch) - free[5] | |||||
PALL = Pallot's Marriage Index (Ancestry) - (£)[6] |
Elmstone, Kent Online Parish Records | ||||||
| |||
Indexes | Images | Indexes | Images | Indexes | Images |
1790-1812 | |
Kent Online Parish Clerks (OPC)
Census records
Census records from 1841 to 1911 are available online. For access, see England Census Records and Indexes Online. Census records from 1841 to 1891 are also available on film through a Family History Center or at the Family History Library. The first film number is 306861.
Poor Law Unions
Probate records
Records of wills, administrations, inventories, indexes, etc. were filed by the court with jurisdiction over this parish. Go to Kent Probate Records to find the name of the court having primary jurisdiction. Scroll down in the article to the section Court Jurisdictions by Parish.
See England, Kent, Wills and Probate (FamilySearch Historical Records)
Local Family History Centre
Canterbury Family History Centre, Kent
Maidstone Family History Centre, Kent
- FHC Portal This centre has access to the Family History Centre Portal page which gives free access in the centre to premium family history software and websites that generally charge for subscriptions.
- Publication of the restricted access images England, Kent, Wills and Probate (FamilySearch Historical Records) and England, Kent, Land Tax Assessments (FamilySearch Historical Records) means that it is advisable to telephone the centre to reserve a computer if you wish to view these
Maps and Gazetteers
Maps are a visual look at the locations in England. Gazetteers contain brief summaries about a place.
This section requires expansion with: any additional relevant sites that aren't mentioned above. |
- ↑ Samuel A. Lewis, A Topographical Dictionary of England (1848), pp. 164-167. Date accessed: 25 July 2013.
- ↑ 'Canterbury baptism records coverage', Find My Past, accessed 8 November 2013.
- ↑ 'Canterbury marriage records coverage', Find My Past, accessed 14 November 2013.
- ↑ 'Canterbury burial records coverage', Find My Past, accessed 14 November 2013.
- ↑ Hugh Wallis, 'IGI Batch Numbers for Kent, England,' IGI Batch Numbers, accessed 13 November 2013.
- ↑ Pallot's Marriage and Birth Indexes, Guide to Parishes. Digital version at FamilySearch Books Online.
Need wiki, indexing, or website help? Contact our product teams.
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You're invited to explain your rating on the discussion page (you must be signed in).
- This page was last modified on 2 February 2015, at 23:57.
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Packages & Specials can not be broken down into individual component parts. Specials are calculated on the basis of discounted prices and individual components can not be traded for others, transferred to other persons, split or refunded if not used.


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Suggestions for cardamom?
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Budget Recipe Ideas
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Lavender Powder?
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Homemade puff pastry! You can too!
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Excellent Butternut Squash Soup
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Cocoa Nibs arrived
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Homemade gnocchi?
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Uses for Dried Lavender
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Blue Cheese
Aug 18, 2006 by rdabke in Cheese
Suggestions Needed: Arty Casual Finger Food Party
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Orange & Cardamom Cake Recipe - link provided
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13x9x2 inch cakes--can you make these multi-layer?
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Puff pastry question
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Best lunch in Lambertville, NJ?
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Making ice cream.....proportion of eggs, heavy cream, and milk
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Need an easy hors d'ouerve for tonight using oven-dried tomato, pls.
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Weighing foods/Portion Control
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Does anybody can tomatoes.. or anything else?
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Sun-drying your own tomatoes
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Easy Soft Shell Crab Recipes? And what to serve with it?
Jul 31, 2006 by Baby Ruth in Home Cooking
People Reading Me


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Jan 13, 2011, 12:27 PM | |
Both actually. I put the heads up through the inside with the exhaust stacks trimmed just right to pop out and sit on the sides well. I glued it from the inside for the heads and some on the bottom of the stacks to the sides. Does that make sense?
With the new cowl I will just glue them to the outside. I pulled them from the remains of the old cowl and cleaned them up. I might do al little more detail on them now. |
Jan 13, 2011, 06:59 PM | ||
Jan 15, 2011, 02:25 AM | |
Monster Power 32 available here for a good price http://cgi.ebay.com/ws/eBayISAPI.dll...m=290522575631
Jan 16, 2011, 06:38 PM | |
I finally got mine in the air today! I had switched out the motor I got from headsuprc to an Emax 2620 900kv on 3300 3s with 13x8 prop. Besides being a little squirrely on the ground (the plane not me...) She took off and flew great. Uneventful landing and after flying other planes I took it up again for a solid 5min flt. Still had high 3.8's-3.9's on the each cell. I flew a little above half throttle most of the time. I'm very happy with it. I put a 5v/5a UBEC in so I could run 4s with the ESC/motor combo. They Hyperion 60a ESC had an LBEC which could be an issue with more than two servos.
I switched out wheels for Dubro 3 1/4 I had laying around and a better tailwheel. The cowl came out nice but the color is off. Same with the tail feathers that were recovered. It looks great and I can't wait to fly it at the Arizona Electic Festival in two weeks. I shot a little video but I will take more pics and post after next flgiht. |
Jan 17, 2011, 01:52 AM | ||
Jan 17, 2011, 01:59 AM | |
I did some changes so I suspended the ESC exactly in the middle instead of side and I moved the receiver and attached it upside down under the servos so now the middle compartment is empty. I also opened the two spots in the front of the cowl. Here are some pictures so please let me know any comments or suggestions.
Jan 17, 2011, 03:39 AM | |
Great to hear about another happy Cub flier!!!
Symdnn, I am glad to see your photos about hiding your components in the bottom area. That is one issue I am going to be dealing with as my build progresses. I am going for a somewhat scale interior of my L-4, going as far as practical anyway. My main hope is to be able to devise up a platform for the 2 seats, maybe as a removeable component to access the lipo? Haven't got that far yet. I got the main gear installed and prepared the tail surfaces for mounting using pinned hinges. This is a neat plane and really becomes fairly large once the wings go on. I'm having fun with it...but lot's to go. Ken |
Jan 17, 2011, 06:58 AM | |
Congrats on the re-maiden wyldkrd!
Good call on the wheels. I thought the supplied wheels were tiny and swapped them out with 3.5" Dubros. Clean lookin' cabin symdnn. Trim those push rods back on your elev/rudd servos. I got several nasty scratches fooling with the battery before I finally cut mine back. |
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What kind of speedometer does a 1994 grand marquis have, mechanical or electrical
Mercury Q&A
Ask Your QuestionAll 1994 Mercury Grand Marquis questions
why does my car sputter when i accelerate?
when i accelerate the car will sputter, this eventually goes away but it will take a good 20 min ...
dash and tail light not working
my dash light and back tail not working
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instrument panel lights out along with rear running lights. fuse okay
engine stalls while waiting at long traffic lights.
engine Hot
A/C off
Transmission in D
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my engine is losing oil--i fill it and drive and it leaks out to a certain point
and then stops ...
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When I turn my wheel or go over a bump or anything my car squeaks loudly in the front
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I fully understand your positionSubmitted by Commonsensenotc... on Fri, 10/17/2008 - 5:36am.
But perhaps they were a bit over-reactive in advising you to lock down all schools?
What was the distance from the incident to the furthest school locked down? Was this man The Flash, who could run at supersonic speeds? Perhaps only the nearest school would have been adequate?
The original concept of a school lockdown has grown far beyond its original intention. When there is a danger in the immediate proximity to the school, fine. In the case at hand, I believe that it was overkill.
Reply |


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"The harder you work, the luckier you get." by Gary Player
Below is the poem entitled Odyssey Of The Sprite which was written by poet Glenn McCrary. Please feel free to comment on this poem. However, please remember, PoetrySoup is a place of encouragement and growth.
Read Poems by Glenn McCrary
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Civilians who chant "liquor store blues" within a Memphis alley way Where the classical band plays From dusk till dawn Would lack intelligence Should they be taught That she resembles a foul sprite For some wild centaur.


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© olly - See portfolioPricing
Author | ollySee portfolio |
Image reference | 56120886 |
Country | Italy |
Descriptive Category | People In Studio Man |
Conceptual | Emotions & Feelings Sadness Sorrow |
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["adult","bad luck","boy","cry","curly hair","despair","desperate","disgrace","face","guy","hand","hope","look","man","mind","portrait","sad","see","sob","sorrowful","thinks","tragedy","wall","weep"]
adult bad luck boy cry curly hair despair desperate disgrace face guy hand hope look man mind portrait sad see sob sorrowful thinks tragedy wall weep
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This was played on WBZ sports tonight. It should get you psyched for the Super Bowl. It is a song from 1985. I am still upset that Grogan didn't start that Super Bowl. http://www.youtube.com/watch?v=INBayZpjeSY&feature=related
If by getting psyched you mean cringing and wincing at the cheeseyness that is that song, then psyched it is.
Maybe the Giants fans should watch that considering they are about to get their asses handed to them after 3 road wins.
Not only do I want 30 seconds of my life back, but I would gladly surrendur a couple of hours to be able to go back and never have seen that.
Yeah he has his Navy blue confused with Royal blue. Then again, I'm surprised he knows his colors at all considering where he comes from.
Uggh, that video was TERRIBLE! Why are they all so cheesy? I'm a Pats fan and I can admit that video was so stupid I thought I lost a few points of IQ just from watching it! As for the little boy's Colts rap... what else would you expect from a video produced by a 10 year old? He needs to take a class in remedial math though, the Colts have never been 16-0. It is the Patriots who went 16-0 this year. Well I guess that's the Indy school system in action, I guess I should have expected it!
Double post Already posted on 01-11-2008, 06:38 PM . http://www.patsfans.com/new-england-patriots/messageboard/showthread.php?t=73597 :bricks:
Just kill this thread - that video/music was terrible & everyone knew the Bears were going to kill them....thxs for the memories whoeva started this thread!!!
It's not even grammatically correct. Patriots and We? That being said, this was a radio station gag, not anything to do with the Patriots. Personally, I like 80s cheese because usually the music was good. Not so in this case.


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Bee Gees
Glass House
Glass house, that once was mine , the sun will shine in on me
You, change your mind, you weren't the kind to live on me
I remember yesterday , turn my tears to laugher
Then you left and like a stray, I came running after
I remember you at night, palm trees softly swaying
I remember all the words you were softly saying
Glass house upon the hill so big and still, the shady lane
It's ours , my love , until the day we say auf wiedersehen
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Good tour, good tour leader but felt like a very rushed trip.
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Really enjoyed the tour. Made friends and had some great experiences.
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34 year old man | Somerville, MA, USA | Seeking women 25-35
Looking for a friend
Who am I? That's a good question. Being put on the spot like this...I guess what I would like to say about myself the most is that I'm a good guy who has good intentions and goals. I'm a proud person who has strong beliefs, but I'm open-minded to other people's opinions and convictions. I try to do what I can to make a difference in the world and positively affect the people around me. Life has been good to me so I'd like to be good in other people's lives. I want to make the most of my life and experience all that I can. With that said (who cares...right?) : I'm a fun loving person who has a great sense of humor. I love to laugh and joke about things...appropriately of course. I'm very easy going, and open-minded. Experiencing new things is what I live for and would like to find someone to do that with.
Coffee and conversation , Cooking , Dining out , Fishing/Hunting , Gardening/Landscaping , Hobbies and crafts , Movies/Videos , Museums and art , Music and concerts , Exploring new areas , Nightclubs/Dancing , Performing arts , Playing cards , Playing sports , Political interests , Religion/Spiritual , Shopping/Antiques , Travel/Sightseeing , Video games , Volunteering , Watching sports
Baseball, Basketball, Billiards / Pool, Bowling, Cycling, Dancing, Football, Golf, Martial arts, Other types of exercise, Running, Swimming, Tennis / Racquet sports, Walking / Hiking, Weights / Machines
I exercise 3-4 times per week.
I have Dogs
I like Birds, Cats, Exotic Pets, Fish, Horses, Other
Most insects creep me out. And reptiles. I guess animals that aren't cute and that look deadly just creep me out.
Breakheart Reservation, Charles River, Davis Sq., Union Sq., Fenway, Prudential Center, Chinatown, I love Taiwan (My father's side of the family live there so I have many people I love over there), My sister lives in NYC and I love visiting.
Syracuse University, Syracuse, NY
Learning something new is my fave, whether it is a fun fact or a new skill, and I haven't learned enough. Experiencing something unfamiliar is always exciting to me. I love Stephen Chow and Bill Murray movies, ice cream, and karaoke.
Spend time with family and friends, read, listen to music, watch movies, walk the dog, play sports, play poker, take a walk/ hike, enjoy nature, play video games, cook, and clean (yes, clean...It's fun for some people)
My heavy 10 lbs nursing book. Leisure reading has been a luxury lately, but I hope to get back to it soon. Last book I enjoyed was: The Last Lecture
Him | What he is looking for | |
Appearance | ||
Height: | 5'10" (177cms) | 5'0" (152cms) to 6'0" (182cms) |
Body type: | A few extra pounds | No preference |
Eyes: | Brown | No preference |
Hair: | Black | No preference |
Lifestyle | ||
Smoke: | Yes, but trying to quit | No Way, Occasionally, Yes, but trying to quit |
Drink: | Social Drinker | Social Drinker, Moderately |
Occupation: | Medical / Dental / Veterinary / Fitness | No preference |
Income: | I'll tell you later | No preference |
Relationship: | Never Married | No preference |
Have kids: | No | No |
Wants kids: | Not sure | No preference |
Background | ||
Ethnicity: | Asian | Asian, Other |
Taiwanese/ Cantonese mix |
Faith: | Buddhist / Taoist | No preference |
That's what I grew up with, but I would say that I'm generally agnostic. Sometimes I pray when I really want something. It works sometimes. |
Languages: | Chinese, English | English |
Education: | Bachelors degree | Bachelors degree |
Definitely interested in further education/ degrees. |


text:
Pictured above (left to right): Darren Findling, David Findling, Daniel Findling, Fred Findling
Welcome! The Findling family of lawyers has evolved into three highly specialized independent law firms. Each firm delivers the highest level of legal skill with compassion to their client's needs.
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text: So I'm a single gal, and prefer it that way. It's not like I couldn't have a significant other if I wanted one. I'm attractive, smart, and have a steady career plan. I'm just typically not interested in the whole dating scene. However, recently I was invited to an event that's a pretty big deal and I have no one to go with. I thought about going alone, but it just didn't seem like it'd be much fun by myself. Since none of my girlfriends were interested, I decided to give Manchester escorts a try. Now, I would never sleep with someone I hired, or anything remotely like that. It's just that after a little research I discovered escort services can be a perfect solution to a dateless night. I'm an open person, so I figured what the heck. If it turned out I had a bad time, I could at least say I'd used an escort service for fun, and it turned out the night was great. We weren't trying to impress one another and it wasn't awkward, we just hung out and had a good time.


text:
MAPLETON – Linda L. Beaulieu, 67, died unexpectedly Nov. 28, 2012, at her residence. She was born Aug. 18, 1946, in Ashland, daughter of James and Lena (Braslow) Clark. She was most recently employed in the housekeeping department at The Aroostook Medical Center, Presque Isle. Linda is survived by her …
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text:
Emily Dickinson
"Faith" is a fine invention
"Faith" is a fine invention
read full text »
Form: Epigram
Emily Dickinson's Other Poems
Related Poems
Comments about this poem ("Faith" is a fine invention by Emily Dickinson )
John Richter (2/6/2015 11:33:00 AM)
Karan Pratap Singh (1/12/2015 12:04:00 PM)
A good poem indeed by Emily. I really find it flawless. (Report) Reply
Carl Wilde (9/14/2014 3:57:00 AM)
The poem challenges men, to be more open minded! (Report) Reply
Jayatissa K. Liyanage (9/1/2014 5:59:00 AM)
I feel that the poetess leaves it open for the reader to think and make his or her own judgement in terms of his or her beliefs. one doesn't have to worry very much about what is obvious. On he other hand, prudence is a must with things not so obvious and hard to understand. Poem has a deep meaning. I like it and appreciate poetess's brevity as well as cleverness to put it in few words. Great poetess. (Report) Reply
Primrose Tee (7/2/2014 2:03:00 PM)
Angelina Holmes (5/3/2014 8:52:00 AM)
Ravindran Govindaraju (2/22/2014 6:21:00 AM)
Is It Poetry (2/12/2014 12:56:00 PM)
The difference
faith and science
is clear....iip (Report) Reply -
Is It Poetry (2/12/2014 12:56:00 PM)
The difference
faith and science
is clear....iip (Report) Reply -
* Sunprincess * (1/6/2014 9:14:00 PM)
............when gentlemen can see faith is a fine invention...
............in an emergency microscopes are prudent...
.................I believe she means people only believe what they see...
....................so microscopes are necessary for proving what is unseen.. (Report) Reply -
Krishnakumar Chandrasekar Nair (10/26/2013 6:16:00 AM)
When times are real bad
We need technology and faith
Instead of feeling helpless and sad
Make use of both and patiently wait (Report) Reply -
Andrew Newman (10/22/2013 3:14:00 PM)
She calls faith and invention and then compares it to a Microscope, and how usless both are in tough times (Report) Reply
Barucn Atta (7/26/2013 9:28:00 AM)
Emily capitalizes her Metaphors. Metaphors be with you.
Baruch Atta, Baltimore (Report) Reply -
Alex Smith (2/25/2013 3:35:00 PM)
This is an anti religious poem. She is calling faith an 'invention' i.e. something made up by people - a technology. In particular, it is an invention used by 'Gentlemen' or the establishment support their version of the 'truth'.
While religion may be a useful 'tool', if you actually want to find the truth of something, especially if its important, then science / actual observation is required. (Report) Reply -
Penny Qian (8/5/2012 8:40:00 AM)
Faith is a fine invention, the man who is gentle can see it while the one who is a logic machine can not see it.... it is a invention, fine, to test people's attitudes In an emergency. (Report) Reply
Penny Qian (8/5/2012 8:38:00 AM)
Faith is a fine invention, the man who is gentle can see it while the one who is a logic machine can not see it.... it is a invention, fine, to test people's attitudes In an emergency. (Report) Reply
Karen Sinclair (8/1/2012 4:02:00 AM)
I think this young (then) lady was just exceptional and i only wish id read her works earlier than today as my first day... this is just so suggestive in my eyes...she appears to be knocking religion as as she suggests using a microscope but why? oh why is faith written as a spoken word in speech brackets? could it be to suggest a female of consequence, even competition to Emily herself? a young lady flitting around smiling and gregarious, whom emily did not trust or like, maybe a young man she liked was distracted by 'Faith'
or even is it that she feels Faith is as a young woman to distract young mens thoughts...not sure just my reaction....
oh emily you do make me smile...tyvm (Report) Reply
Famous Poems
Phenomenal Woman
Maya Angelou
Still I Rise
Maya Angelou
The Road Not Taken
Robert Frost
If You Forget Me
Pablo Neruda
Langston Hughes
Annabel Lee
Edgar Allan Poe
I Know Why The Caged Bird Sings
Maya Angelou
Rudyard Kipling
Stopping by Woods on a Snowy Evening
Robert Frost
A Dream Within A Dream
Edgar Allan Poe
Robert Frost
(March 26, 1874 – January 29, 1963)
Maya Angelou
(4 April 1928 - 28 May 2014)
Langston Hughes
(1 February 1902 – 22 May 1967)
Edgar Allan Poe
(19 January 1809 - 7 October 1849)
Emily Dickinson
(10 December 1830 – 15 May 1886)
Pablo Neruda
(12 July 1904 – 23 September 1973)
William Blake
(28 November 1757 – 12 August 1827)
Charles Bukowski
(16 August 1920 – 9 March 1994)
Walt Whitman
(31 May 1819 - 26 March 1892)
Rudyard Kipling
(30 December 1865 – 18 January 1936)
- Still I Rise, Maya Angelou
- The Road Not Taken, Robert Frost
- Dreams, Langston Hughes
- Phenomenal Woman, Maya Angelou
- If, Rudyard Kipling
- I Know Why The Caged Bird Sings, Maya Angelou
- Stopping by Woods on a Snowy Evening, Robert Frost
- Annabel Lee, Edgar Allan Poe
- If You Forget Me, Pablo Neruda
- Fire and Ice, Robert Frost


text:
I installed a Meta tags quick module because I want to create a meta descriptoins to my site. I have activated meta taqs quick, Extra functionality and upgrade from Nodewords. Now I have meta description field on every content type. I inserted meta description for every content type but still there are no meta descriptions. Do I have to insert meta descriptions for existing content manually?
How can I write meta description for front page?
The solutsion is probably very easy, but I cant find solution by myself.
Comment #1
houdtbaar commentedI have the same problem. The homepage show keyword and all other fields but no description field.
Any idea what the solution is?
Comment #2
valthebald commentedI would recommend to try without extra functionality, using "core" metatags_quick. Does that help?


text:
Villa video door phone(302C3S+302G8 black)
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China (Mainland) Contact Details
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OEM,ODM & multi-category buying
Want product and industry knowledge for "yxtel mobi..." ?
Trade Alerts are FREE updates on topics such as trending hot products, buying requests and supplier information - sent directly to your email inbox!


text:
byCRN Staff on
Company: BridgeSTOR
The Lowdown: Poway, Calif.-based storage startup BridgeSTOR develops appliances for deduping primary data and providing high-performance services for VMware virtual machine data. One model comes pre-configured with Symantec's Data Deduplication Suite of software integrated with hardware-accelerated data compression technology to dedupe primary and secondary data as it is being stored. The other focuses on backing up and recovering virtual machines and their data in VMware appliances.
BridgeSTOR is a 100 percent channel-focused company, said John Matze, founder and CEO who is well-known as a channel-friendly storage entrepreneur.
As solution providers position themselves for growth, the pressure is on vendors and distributors to meet their partners' needs. Here CRN presents the 2015 Channel Chiefs, our annual look at the executives responsible for running channels at today's IT vendors.
Here are 10 recent searches by CRN visitors.
Cloud 100


text:
Pain Management Center - Caldwell, IDCaldwell Pain Management Physician Doctors for Pain ManagementType of Physician: Pain Management Physician What is a Pain Management Physician? An interdisciplinary subspecialty certification by the Boards of Anesthesiology, Psychiatry & Neurology, and Physical Medicine & Rehabilitation; practitioners provide a high level of care either as a primary physician or consultant for patients experiencing problems with acute or chronic pain in both inpatient and outpatient settings, and coordinate a multidisciplinary approach toward pain management. Specialty: Pain Management Common Name: Pain Management Physician Doctors in Caldwell *Idaho Pain Center Idaho Pain Center Pain Care Boise Clinton Mallari MD Caldwell, IdahoPain ManagementIntroduction to pain managementPain management can be simple or complex, depending on the cause of the pain. An example of pain that is typically less complex would be nerve root irritation from a herniated disc with pain radiating down... Other Related Pain Management ArticlesEmergency Contact for Caldwell
Nearby Caldwell Hospitals *West Valley Medical Center Southwest Idaho Treatment Ctr Saint Alphonsus Medical Center St Luke's Meridian Med Ctr Complex Care Hospital Of Idaho Walter Knox Memorial Hospital Treasure Valley Hospital Boise Behavioral Hlth Hosp Intermountain Hospital Saint Alphonsus Reg Med Ctr VA Medical Center-Boise Idaho Elks Rehabilitation Hosp St Luke's Boise Medical Center Saint Alphonsus Medical Center *Provider Directory Terms of Use: The WebMD 'Provider Directory' is provided by WebMD for use by the general public as a quick reference of information about Providers. The Provider Directory is not intended as a tool for verifying the credentials, qualifications, or abilities of any Provider contained therein. Inclusion in the Provider Directory does not imply recommendation or endorsement nor does omission in the Provider Directory imply WebMD disapproval. |


text:
Of course everything was going too smoothly. I should know better. I should have realized – and now my temper is less than a micro-second away from snapping, and I frankly don't think I should be held responsible for my actions.
How'd Tuesday go for you? Are you ready for some more? Get those thinking caps on!
I spied a few recipes on Pintrest this past week while I was searching for something to do with chicken. We had a club pack of chicken breasts that didn't get packaged and frozen on time, so I cooked them all up instead, and froze them that way. But what to do with them now?
These have got to get your motor running, so on the green light, GO!
PROMO! 25% off editing spots available for May, June and July if pre-booked by the end of March (no deposit required until 2 weeks before start). Keep me busy while the garden grows, and before canning season starts! I've been itching to get back to work with freelance…
What Does February Mean To You?
Total Voters: 5
Today's Page Views: 132 Page Views since 05/12: 790695 Visitors since 09/12: 227619 Online now: 2


text:
The PGA Tour's 2014-15 schedule doesn't reflect it, but in the perception of the top pros, Thursday at Doral is Opening Day.
Opinion & Analysis
The PGA of America created a task force to do what the U.S. Presidents Cup team has done organically for years.
In this week's Stock Watch, Lydia Ko continues to climb, while Ian Poulter is sinking after his hazardous final-round at the Honda.
With PGA National's hazards swallowing up player after player, Padraig Harrington emerged from the depths to win.


text:
1967 RS SS survivor 47K miles, 1 repaint, 350, 295hp, 373 posi with drag pack, 4 speed. Very rare car. 1 of 1, Plum... More
Starting its life out as a 6 cyl, this 67 Camaro, has been transformed with many performance upgrades. The car is now equipped with... More
69 Chevy Camaro SS396/375hp L78 w/ZL1 Alum. Heads!!! 13,939 original miles (Arizona Title Box A, "Indicates Actual Miles") Non-original #'s matching motor, but correct 4... More
Total restoration, restomod. LT 1 engine, 4 speed, p/s, p/b, a/c, too much more to list. 47K... More
Beautiful 1968 Camaro convertible. Total older restoration, non matching but correct 350 c.i., 285 h.p. automation, fun driver, cd radio but comes with original. ... More
1969 Resto Mod RS Camaro # MATCHING 307/200HP TUXEDO BLACK / GUN METAL GRAY HIDEAWAY HEAD LIGHTS 10 Bolt PS Power Brakes Black... More
Pony cars like this '67 Camaro SS continue to gain popularity in the collector car market. This F-body combines an awesome black and white... More
It's hard to go wrong with a '69 Camaro. They have, and always will be sought after, and this example proves why. A true... More
To view more pictures and information please visit our website www.classiccarliquidators.com. After viewing the vehicle you may give us a call at 903-891-0000 and... More
1969 Chevrolet Camaro COPO Tribute VIN 124379N593049 This is a stunning tribute to the famous COPO (Central Office Production Order) Camaro! VIN Decode 1... More
CODE 52, GARNETT RED W/ WHITE INTERIOR, 300HP/ 350,AUTOMATIC,POWER STEERING,POWER BRAKES, WHITE POWER TOP,EVERYTHING WORKS,RUNS,AND DRIVES GREAT! READY TO ENJOY!! DON'T WAIT CALL TODAY!!!!! JC... More
1969 Chevrolet Camaro Z28. This Z28 302 cid small block is backed by Muncie four-speed with a new-for-69 standard Hurst shifter and connected to... More
ULTIMATE PIECE OF AUTOMOBILIA. ITS A MECHANICAL WORK OF ART IN MOTION. ITS MESMERIZING TO WATCH THE INTERNAL WORKINGS OF THE DRIVETRAIN ACCURATELY COME... More
This is a VERY NICE Restored 1967 Camaro, only 76,000 Original Miles, 2 owner car. The complete restoration was done in 2000 and the car... More
350 V-8, runs very strong Automatic trans with console shifter Air Conditioning Power Steering Mag wheels Rally Sport package Paint and interior are not show quality, but are in very... More


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Public to have its say on Constitution Pipeline
Friday, Dec. 26, 2014
The state Department of Environmental Conservation is seeking comments from the public on the federally regulated Constitution Pipeline and an upgrade to the Iroquois Wright Compressor Station in Schoharie County.
Howe Caverns loss 'puzzles' officials
Wednesday, Dec. 17, 2014
Disappointed is the one word Howe Caverns Casino and Resort spokesman Ryan Moses used to describe his reaction to the state Gaming Facility Location Board's decision Wednesday to reject the Schoharie County proposal.
Fracking ban likely to have little local impact
Wednesday, Dec. 17, 2014
Schoharie County officials have mixed emotions about the state Department of Environmental Conservation's decision Wednesday to ban high-volume hydraulic fracturing.
At long last, gaming board to recommend casino sites
Wednesday, Dec. 17, 2014
After months of rumors and speculation, sites will be chosen Wednesday for New York's first commercial casinos.
Bruno hopes Rensselaer County lands casino
Tuesday, Dec. 16, 2014
Former state Senate Majority Leader Joseph L. Bruno says he is not a fan of gambling but believes a casino belongs in Rensselaer County. A decision on the location of up to four casinos in upstate New York is expected by the state Gaming Facility Location Board on Wednesday.
Search locates disoriented Summit man
Wednesday, Dec. 10, 2014
A Summit man was hospitalized following a search by state police and other law enforcement Sunday in Schoharie County.
Toys for Tots Train to stop in Cobleskill, Delanson
Friday, Dec. 5, 2014
The Marine Corps Reserve Dunkin' Donuts Toys for Tots Train will make stops in Cobleskill and Delanson Saturday.
Federal regulators approve Constitution Pipeline
Thursday, Dec. 4, 2014
The Federal Energy Regulatory Commission on Wednesday approved construction of the 124-mile Constitution Pipeline, which would begin in northeastern Pennsylvania, run through several counties in eastern New York and end in the town of Wright.
Schoharie County man charged in fatal October crash
Wednesday, Dec. 3, 2014
A Schoharie County man faces vehicular manslaughter and drunken-driving charges in an Oct. 1 motorcycle crash that left a passenger dead.
Cobleskill casino backer has new CEO, bigger board
Monday, Dec. 1, 2014
Full House Resorts, which hopes to operate a casino at Howe Caverns, has a new CEO and is expanding its board of directors from five to nine members as part of an agreement with a group of shareholders.
Howe Caverns environmental review questioned
Wednesday, Nov. 19, 2014
A member of the Center for Sustainable Rural Communities and a resident of the town of Cobleskill contends a new environmental quality review must be completed if Howe Caverns pursues its plan to add a casino, two hotels, two water parks and several restaurants.
SUNY Cobleskill student killed in crash
Wednesday, Nov. 19, 2014
A SUNY Cobleskill student from Niagara County died this morning in a two-car accident in Sharon Springs, the college confirmed today.
Teen charged after alleged fight at Cobleskill-Richmondville school
Thursday, Nov. 6, 2014
State police arrested a teenager following a reported fight at Cobleskill-Richmondville High School.
Fisher scores win in Supreme Court race
Wednesday, Nov. 5, 2014
The new state Supreme Court justice in the district that includes Albany and Schoharie County will be Republican Lisa Fisher, according to unofficial election results.
Schoharie County Sheriff's Office investigates home invasion on Route 30
Sunday, Nov. 2, 2014
The Schoharie County Sheriff's Office is investigating a home invasion in the town of Schoharie.


text:
Overdevelopment, Overpopulation, Overshoot
Container City: Shipping containers, indispensable tool of the globalized consumer economy, reflect the skyline in Singapore, one of the world's busiest ports.
Topics: U.S. Economy, Occupy Wall Street, News, Politics News
This week, Massachusetts Attorney General Martha Coakley sued five of the biggest banks in the country – including Bank of America, JPMorgan and Wells Fargo – for alleged foreclosure fraud.
As the New York Times noted, the move "diminishes the likelihood of a comprehensive settlement between the banks and federal and state officials to resolve foreclosure improprieties."
And Coakley's suit comes just as Occupy Wall Street organizers are planning a campaign focusing on the foreclosure crisis that will likely feature eviction defenses, protests at banks and the like. The Occupy Our Homes project is launching on Tuesday.
But the foreclosure crisis can be dizzyingly complex, and the issue is still opaque to many Americans who have not been directly affected. For an update on what's going and to get context on the Coakley suit, I spoke to Alan White, a visiting professor at Tulane law school who has written widely on the foreclosure crisis.
A recent study by the Center for Responsible Lending found that we may be only halfway through the foreclosure crisis. Can you give us a status update on how bad things are right now?
We have this $10 trillion problem. Total outstanding mortgages in the U.S. on houses went from $4 trillion to $10 trillion – it almost tripled – in the decade before the crisis. Since 2007, mortgage debt has barely dropped. While home prices have dropped by 30 percent, the amount we owe on our houses has only dropped by 5 percent. So there's a huge mortgage debt overhang. There are 6 or 7 million homes where people are behind on their mortgages or in foreclosure. That's triple to quadruple any kind of levels we've seen since the Great Depression.
The foreclosure process is slow, and the process of working out loans one by one in our retail system has been painfully slow. We're still foreclosing about a million more houses a year. So I think the logic of the Center for Responsible Lending report was right: When you look at all these numbers – the number of people who are behind, the rate at which we're foreclosing on houses, and the rate at which people are being given alternatives to foreclosure, we're looking at another five to 10 years of this.
Some Occupy protesters are starting an Occupy Our Homes campaign Tuesday on the foreclosures. They're calling for banks to write down mortgage principal to current home values. Is anyone in Congress or Washington talking about legislative relief?
In Congress, no. President Obama made a campaign promise that he would support amending the bankruptcy code to do exactly what the protesters are calling for: reduce mortgage principal to the value of the house. He immediately backed off that promise when he got to office. The idea of realigning mortgages with home prices has met with stiff, stiff resistance from the banking industry. So far – amazingly, given the financial crisis – people in Washington and the administration and Congress have continued listening to the complaints of the industry. The fact is, we're going to do this sooner or later. We can reduce mortgage balances to the value of homes either through the painful process of foreclosing houses, at 100,000 per month for the next 10 years. Or we could have a more systematic program and write the mortgages down for the people who are in the houses now.
The Occupy protesters are talking about eviction defenses where they block sheriff's deputies from entering a home. Do you think this tactic will make a difference on any level?
It certainly could, if you have enough homeowners saying, "I am here. I can't afford my mortgage, but I can afford my house." IF enough people are involved and it's a broad enough movement, it could bring attention to the fact that we are wastefully evicting and foreclosing and prolonging the crisis. I think it's absolutely worth doing. The issue of writing down our mortgage debt is a very political issue. Getting the minds of the American people changed is very important. We need to stop seeing it through Rick Santelli's eyes, and starting seeing it as an issue of helping our neighbors who are in trouble – and also helping ourselves by helping anybody who has steady income stay in their house and pay what they can rather than dumping more houses into an oversaturated market.
Turning to the Coakley lawsuit, a lot of people have the general idea that there's been fraud in the foreclosure market but don't understand the specifics. Can you explain?
Foreclosure lawyers have been pointing out for a while that banks didn't have the paperwork to do the foreclosures correctly. They were foreclosing on people who weren't behind, they were foreclosing on people who were supposed to be in loan modifications, and they were foreclosing in the name of the wrong company. There were significant false statements being made in court filings to foreclose. There have been settlement negotiations led by Tom Miller, the attorney general of Iowa, along with some of the federal agencies, that's been going on for over a year now. A couple of the state attorneys general have now said, enough is enough, we're not getting anywhere.
The idea is that since the industry is foreclosing in ways that are in many cases improper, there needs to be a real foreclosure prevention program and have it funded by the banks. They've been talking about a multi-state settlement in the $20-25 billion range. But some of the attorneys general are not persuaded that the banks are really prepared to deal with the problem. The banks have asked for releases from the states that would give them a free pass on anything they did wrong in making the loans in the first case and in foreclosing them.
How big a deal is it that some of the state attorneys general are dissenting from the idea of a comprehensive settlement?
It's a huge deal. The direction that we're going to go in solving the foreclosure crisis is tied up to a great extent in the ongoing state-federal regulator negotiations. If the Obama administration had a wholesale mortgage reduction program instead of this retail, one-at-a-time, painfully slow process they have – the Home Affordable Modification Program (HAMP) and the Home Affordable Refinance Program (HARP) — you could combine it with the negotiation with the banks.
There's leftover money from TARP. The foreclosure programs the administration designed were partly funded through the TARP bailout. And the only bailout money that hasn't been spent is the bailout money for homeowners. You could take the unspent bailout money and combine it with the money from a bank settlement and start to make a dent in our $10 trillion problem.
Justin Elliott is a reporter for ProPublica. You can follow him on Twitter @ElliottJustin
More Justin Elliott.
Container City: Shipping containers, indispensable tool of the globalized consumer economy, reflect the skyline in Singapore, one of the world's busiest ports.
Man Covering His Mouth: A shepherd by the Yellow River cannot stand the smell, Inner Mongolia, China
Angry Crowd: People jostle for food relief distribution following the 2010 earthquake in Haiti
"Black Friday" Shoppers: Aggressive bargain hunters push through the front doors of the Boise Towne Square mall as they are opened at 1 a.m. Friday, Nov. 24, 2007, Boise, Idaho, USA
Suburban Sprawl: aerial view of landscape outside Miami, Florida, shows 13 golf courses amongst track homes on the edge of the Everglades.
Toxic Landscape: Aerial view of the tar sands region, where mining operations and tailings ponds are so vast they can be seen from outer space; Alberta, Canada
Ice Waterfall: In both the Arctic and Antarctic regions, ice is retreating. Melting water on icecap, North East Land, Svalbard, Norway
Satellite Dishes: The rooftops of Aleppo, Syria, one of the world's oldest cities, are covered with satellite dishes, linking residents to a globalized consumer culture.
Child Brides: Tahani, 8, is seen with her husband Majed, 27, and her former classmate Ghada, 8, and her husband in Hajjah, Yemen, July 26, 2010.
Megalopolis: Shanghai, China, a sprawling megacity of 24 Million
Big Hole: The Mir Mine in Russia is the world's largest diamond mine.
Clear-cut: Industrial forestry degrading public lands, Willamette National Forest, Oregon
Computer Dump: Massive quantities of waste from obsolete computers and other electronics are typically shipped to the developing world for sorting and/or disposal. Photo from Accra, Ghana.
Oil Spill Fire: Aerial view of an oil fire following the 2010 Deepwater Horizon oil disaster, Gulf of Mexico
Slide 13
Airplane Contrails: Globalized transportation networks, especially commercial aviation, are a major contributor of air pollution and greenhouse gas emissions. Photo of contrails in the west London sky over the River Thames, London, England.
Fire: More frequent and more intense wildfires (such as this one in Colorado, USA) are another consequence of a warming planet.
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Real doctors show us just how fed up they are on Jimmy Kimmel's late-night show.
Fox News finally went off on Walmart for their shady practices. PSYCH.
Her powerful pop song is meant for 'all' women. Even those not allowed to hear it.
As Clinton Asks For Release Of Emails, An Undisclosed Number Remain Private
Hillary Clinton Tells State Department To Release Her Personal Emails
Bernie Sanders Might Run Against Hillary Clinton Despite It All
Read 1970s Mike Huckabee On Short Skirts, Drinking, Gays, "The Exorcist" And Beer T-Shirts
Top Bush Email Critic: "Distinction" Between What Clinton And Bush White House Did


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Tags » Ann Curry
Ruth Gruber, pioneering journalist and activist, honored by The Common Good
Jewish Forward (February 25, 2011)
Ruth Gruber, Star of Documentary 'Ahead of Time,' Honored by The Common Good
On The Go
By MASHA LEON — Published February 17, 2011, issue of 740 more words
Noah Oppenheim Named 'Today' Show Chief
NBC News is bringing one of Today show's own, Noah Oppenheim, back into the fold to run the show after its short-lived Jamie Horowitz nightmare… 210 more words
Why Ann Curry will probably shine in her new role away from NBC News
Maybe it's just me, but when you're paying someone $12 million a year, you expect them to, well, work.
That's a hefty sum to shell out for someone to simply sit on the bench, which is what former "Today" co-anchor Ann Curry has been mostly doing since her messy divorce from the show in 2012. 381 more words
Headlines From Hollywood
In "Headlines From Hollywood," we take a look at what's going on in the entertainment industry this week.
Willie Nelson & Others To Pay Tribute To Stevie Wonder… 291 more words
January 14, 2014
Good morning!
I saw a blog post yesterday that said we should all quit being "whiny asses" and stop complaining about the cold. It further stated that if we don't like it, we should move. 279 more words
Ann Curry To Exit NBC News After A Quarter-Century
NEW YORK (AP) — Longtime NBC News correspondent and anchor Ann Curry is leaving her full- time job with the network after a quarter-century.
But she will still be seen on NBC platforms, the company said Tuesday in announcing a partnership with her and the media venture she will launch, to be "seeded" by NBCUniversal. 431 more words


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New Bike & Gear Previews
Best of the Big Red S
S-Works Road Shoes
11 / 13
Completely redesigned with input from cobbles master Tom Boonen—Specialized is still waiting for him to return his prototype shoes—the new S-Works road shoe's sole is stiffer than in previous years, which leads to more efficient power transfer. A roomier toe box, narrower heel, and repositioned Boa closure all ensure that the shoes are comfortable, but stay snug on your foot. The shoes will be available in half and whole sizes, and in shops this fall.
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Billabong Dale Hooded Sweatshirt - Women's
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Can you remove the hood?
Can you remove the hood?
Josh Chapman
Sure can.
This is the perfect combination between a hoodie and a light-weight jacket. It's soft, warm, can fit under a coat, the hood is roomy, there is a great collar for warmth and style, and my favorite feature is the abundance of real POCKETS. Some of the details are faux, but you get a great variety and the hand pockets are really deep. I even wore this out in the rain for 2 hours and I could feel the coolness but I wasn't wet underneath. I've been wearing this just about every other day for the past 3 weeks because it is so convenient. My only wish is that it came in different colors like navy, grey, or a dark green.