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The BFD – its first week
So, how is ObamaCare being greeted by the real world since it was signed into law Tuesday? Well, pretty much as expected by those who were paying attention (and that wouldn't include the unicorns and moon pony crowd). For instance, employees at Verizon were greeted with a statement by the company explaining its interpretation of the law and what that would mean in terms of future coverage:
In an email titled "President Obama Signs Health Care Legislation" sent to all employees Tuesday night, the telecom giant warned that "we expect that Verizon's costs will increase in the short term." While executive vice president for human resources Marc Reed wrote that "it is difficult at this point to gauge the precise impact of this legislation," and that ObamaCare does reflect some of the company's policy priorities, the message to workers was clear: Expect changes for the worse to your health benefits as the direct result of this bill, and maybe as soon as this year.
You may recall that Caterpillar said that the bill would cost them $100 million more in health care coverage in the first year alone. That ought to make them highly competitive.
Verizon is also being punished for offering retirees health benefits:
Mr. Reed specifically cited a change in the tax treatment of retiree health benefits. When Congress created the Medicare prescription drug benefit in 2003, it included a modest tax subsidy to encourage employers to keep drug plans for retirees, rather than dumping them on the government. The Employee Benefit Research Institute says this exclusion—equal to 28% of the cost of a drug plan—will run taxpayers $665 per person next year, while the same Medicare coverage would cost $1,209.
In a $5.4 billion revenue grab, Democrats decided that this $665 fillip should be subject to the ordinary corporate income tax of 35%. Most consulting firms and independent analysts say the higher costs will induce some companies to drop drug coverage, which could affect about five million retirees and 3,500 businesses. Verizon and other large corporations warned about this outcome.
Or, instead of discouraging employers from dumping retirees on the government, the new plan encourages it and essentially punishes those who don't. In fact, you could say that the entire bill encourages companies to dump employee coverage. If they're of a certain size and don't offer coverage, they are fined $750 per employee. Compare that to the thousands of dollars in cost for coverage plus the expense of administering an employee health insurance program. If you're running a company in an economy mired in recession, what is one of the primary things you try to do? Cut costs. You have 50 employees and you're spending $5,000 each on health insurance or $250,000 plus the cost of administration of the program. You can dump it all and pay a fine of $37,500. What would you do?
Oh, and there's this little goodie to encourage companies to act quickly:
U.S. accounting laws also require businesses to immediately restate their earnings in light of the higher tax burden on their long-term retiree health liabilities. This will have a big effect on their 2010 earnings.
Of course it will. And that will have a significant impact on the economy and first quarter earnings.
Some companies, however, have an alternate plan:
Consumers Energy, a Michigan gas and electric company with 2.9 million customers, said it will not take a big first-quarter charge because, like most utility companies, it can try to recover the added costs from its customers through rate hikes.
The increased costs are going to be paid by someone – customer, taxpayers – it's all the same in the end.
And that's pretty much where the states are right now as well. South Carolina just tallied up its new unfunded mandate:
The expansion represents a 4.4 percent increase in the $20.9 billion the state would have spent on Medicaid during that nine-year period, adding roughly $100 million a year to the state's costs.
The state is looking at a 1 billion dollar shortfall next year – the unfunded mandate adds $914 million to the shortfall over the next 10 years. Any guess who will end up paying for that?
It should be clear, given the Verizon info that the intent is to move people off employer based insurance and on to something else. I've always been a proponent of individual health insurance purchased by families individually in a free and competitive insurance market like we do any other insurance product. It immediately solves the portability problem and it drives cost down. What we're seeing here is a manipulation of tax code pointed at effectively ending employer insurance programs but with a different aim in mind – single-payer government run insurance.
The intent to again offer legislation to establish an public option, voiced by Harry Reid and House Democrats makes that point rather clearly. Democrats will try to pass that before November – bet on it. Should they succeed, then all the parts would be in place to move in that desired direction. Meanwhile, unsurprisingly the promise of "if you like your plan and if you like your doctor you can keep them" appears to be a hollow one. The law incentivizes drastic changes in plans to avoid costs and taxes and in many cases, it is clearly smarter for a business to dump health care coverage altogether.
As for 95% of us not seeing a dime in new taxes – that too was a load of nonsense as most of us knew. Unless you live in the 57th state where none of this has any impact, the new unfunded mandates promise increased taxes – states, unlike the federal government can't print money and thus have to either cut spending or increase taxes. Since the increased spending is being mandated, it leaves them little choice, does it?
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When Girl Scouts Attack
Some of you would no doubt love to be accosted by a bunch of girl scouts plying their wares (you know who you are), but you won't be subject to such a harrowing experience in Seattle:
Tim Burgess's move to outlaw "aggressive panhandling" may be an unconstitutional, attention-seeking bully tactic, but at least the Councilmember appears willing to apply the law equally to anyone asking for money on the streets. Even if they just want to sell you a box of thin mints.
The issue, such as it is, arose from a (possibly facetious) email exchange between a Seattle Councilmember and an alleged citizen complaining about what can only described as a channeling of a Mike Myers mock-horror scene:
Councilmember Burgess:
I was strongly opposed to your panhandling proposal until my experience on the streets of downtown West Seattle yesterday. Now I totally understand where you're coming from.
Here's what happened: on the way to the West Seattle Farmer's Market, I encountered a band of Girl Scouts aggressively promoting cookie sales within spitting distance of a KeyBank ATM where I was withdrawing money. The situation was so extreme that I could actually hear their aggressive, repeated, high-pitched solicitations at the very moment I was entering my PIN. Then as my cash was dispensed and I nervously removed my receipt — trying to stay calm despite this invasion of my constitutional right to not be confronted by my relative class status — I saw two adult women. They were the ringleaders, I assume. They didn't seem to be doing anything but watching over the whole scene and talking discreetly to each other about god knows what. All in all, a nerve-racking experience.
So there they were, asking for money, repeatedly, despite my lack of interest in what was on offer, all happening well within 15 feet of an ATM. Would this be banned by the your ordinance? I certainly hope so, because there's a long history of applying laws like this inequitably, almost as an excuse to push poor people out of desirable areas instead of addressing the actual problem.
Thanks for any information you can offer.
My best guess is that this email comes from a rather disgruntled, yet somewhat clever, panhandler. The Councilmember's response is both appropriate and obviously skeptical, but it does raise an interesting question: if the state is going to exercise it's police powers judiciously, doesn't that ensure that we miss out on opportunities that are neither a threat nor an offer of something we don't really want? After all, what sort of hair-shirted aesthete do you have to be to not want girl scout cookies?
When it comes to local rules and regulations, I'm not one to quibble too much unless such restrictions impinge on fundamental rights. Setting up shop in a public way certainly deserves some treatment of police power since the sidewalks belong to the public. At the same time, if you are just standing around hawking your legal goods, I really don't understand what it is we need to be protected from. Can it be annoying to walk through a gauntlet of capitalism? Sure. Maybe worse for some than others. But we don't have any right to be free from annoyance, do we?
I mean, if that were the case, then why should I be bothered by ACORN morons marching up and down the street where I work? Nothing has ever been done about that. Once, I nearly came to blows with some idiot preaching about how we needed a new New Deal while I was trying to enjoy a leisurely stroll in downtown Alexandria, VA. Do I have the right to be free from that annoyance? Not bloody likely.
And the fact of the matter is that I shouldn't be "free" from those annoyances, anymore than I should expect to be "free" from girl scouts selling cookies on a street corner, or a hippie selling dew rags in a city square. If one of them genuinely threatens my peace, then the appropriate authorities should be able to step in, but how often is that truly the case? That some panhandler was able to point out this hypocrisy in the enforcement of Seattle's anti-public-space-economy laws (to coin a terrible phrase) only underscores how ridiculous the application of police power (local or otherwise) has become.
The bottom line is that, whether one is selling girl scout cookies or dew rags, why do I need the state's protection? Keep the public ways clear for the public sure, but let's not forget that commerce is what truly makes the world go 'round. Without it, that police protection doesn't get paid for.
[HT: Tom Scott]
Will Proposed Bank Regulations Kill US Bank Competitiveness?
That is certainly what New York City Mayor Michael Bloomberg believes. And, surprisingly, his position is supported by none other than the Secreatary of the Treasury, Timothy Geitner.
The proposed bank regulations, all driven by President Obama's war on Wall Street, would limit big bank's trading and size. Obama claims that the nation will never again be held hostage by institutions deemed "too big to fail".
Well, here's a clue – the only ones who claimed they were too big to fail and threw all that money at them are the same ones now trying to regulate them into noncompetitiveness. You'd almost think this was part of a plan if you didn't believe they weren't smart enough or quick enough to do such a thing. But, as they've claimed, they won't let a crisis go to waste.
In fact, this is another battle in the long class war against the rich. Nothing symbolizes the "rich" like Wall Street. And nothing serves Democrats in trouble better than a populist cause (or at least one they deem to be populist). So while voters continue to send messages to the Democrats via VA, NJ and MA, health care reform implodes and the President's job approval rating tanks, he's warring on the institutions which are critical to the economic recovery of the nation.
How freakin' tone deaf can one be?
Mayor Bloomberg has some immediate local issues that concern him – possible layoffs and the erosion of the tax base. But he also recognizes that handicapping US banks when no such handicaps exist for foreign banks, hurts their long term competitiveness and will therefore have negative long term consequences.
Obama's proposals would prevent banks or financial institutions that own banks from investing in, owning or sponsoring a hedge fund or private equity fund.
He called for a new cap on the size of banks in relation to the overall financial sector that would take into account not only bank deposits, which are already capped, but also liabilities and other non-deposit funding sources.
The proposed rules also would bar institutions from proprietary trading operations that are for their own profit and unrelated to serving customers
According to sources, Geithner says the proposed regulations "do not necessarily get at the root of the problems and excesses that fueled the recent financial meltdown."
He's not alone in that criticism:
Lawrence White, a professor at New York University's Stern School of Business and a former regulator, said Obama's proposals were "a solution to the wrong problem."
"They have this rhetoric that it was proprietary trading that was the problem," White said. "That's wrong."
Of course the Obama war on Wall Street is certainly having an effect – bank shares have declined as has the dollar against other currencies.
If you don't get the idea that this is mostly an ideologically driven "war" trying to cash in on populist anger at a time when nothing is going well for the administration, you're not paying attention. It also points to an "war of choice" based in a very poor understanding of economics and the fact that we're engaged in a global economy where competitiveness is critical. If these regulations pass and when the recovery falters because banks are hobbled and noncompetitive, I'm sure that somehow the White House will again play the "greed" card out in a effort to hide the effects of their own short-sighted and ideologically driven economic malpractice.
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Warren Buffet – Bank Levy Makes No Sense
Barack Obama was quite fond of quoting Buffet during the campaign. My guess is he'll not be as willing to quote Buffet about his opposition to the President's proposed bank tax:
"I don't see any reason why they should be paying a special tax," said Buffett, the chairman and chief executive officer of Berkshire Hathaway Inc., in an interview on Bloomberg Television today. Supporters of the plan to tax the banks "are trying to punish people," he said. "I don't see the rationale for it."
What he's talking about, of course, is the tax Obama has proposed ostensibly to recover the losses incurred in the TARP program. Obama has targeted about 50 banks to make this repayment.
The levy would apply to firms with more than $50 billion in assets, including Wells Fargo and Goldman Sachs, two companies that Berkshire has investments in. It would exclude Fannie Mae and Freddie Mac, the government-sponsored mortgage lenders taken over by the U.S.
"Look at the damage Fannie and Freddie caused, and they were run by the Congress," said Buffett. "Should they have a special tax on congressmen because they let this thing happen to Freddie and Fannie? I don't think so."
Of course Buffet throws out a point, which I've put it bold, that the administration, Democrats in general and the media have studiously avoided. That's the role that the two quasi-governmental organizations, Freddie Mac and Fannie Mae, played in the financial meltdown (and how much of the TARP money they sucked down). In fact, the tax is as much about recovering the money they required as anything. But pointing that out would be detrimental to the narrative the administration has been building about the "greed of Wall Street" and their unilateral culpability. According to Bloomberg data, Freddie and Fanny owe about $110 billion. Buffet, of course, is not so easily fooled:
The levy would apply to firms with more than $50 billion in assets, including Wells Fargo and Goldman Sachs, two companies that Berkshire has investments in. It would exclude Fannie Mae and Freddie Mac, the government-sponsored mortgage lenders taken over by the U.S.
"Most of the banks didn't need to be saved," Buffett said. "Including Wells Fargo."
The bank tax would raise $90 billion over 10 years and, of course, be paid for by the banks customers. Also note that the sum of $90 billion is very close to the amount owed by Freddie and Fanny.
Obama is correct – "we want out money back". But we want it back from the institutions which wasted it. Of course that's impossible since taxing Freddie and Fanny is taxing ourselves. Of course, so is taxing banks. However, it is much more useful to demonize them, play the greed card and pretend the government is blameless than to tell the truth, isn't it?
I mean, if they told the truth, they'd have to implicate Congressional Democrats like Barney Frank, wouldn't they – and that would never do.
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Why, You Ask, Are Businesses Not Hiring? The EPA For One Reason…
As regular readers know, we've been talking about why businesses are sitting on the sidelines and not hiring at the moment. Businesses don't like unsettled questions about the arena in which they must operate. Health care legislation will effect the cost of doing business. Until that is settled, there's little incentive to take a chance and hire or expand their business. If it costs more to do so after the legislation is passed – and it seems it will, they'll wait to see the eventual outcome (and cost) and adjust accordingly. Same with cap-and-trade.
However, in that regard, the EPA seems ready to proceed on it's own schedule and businesses are not liking what they're hearing:
Officials gather in Copenhagen this week for an international climate summit, but business leaders are focusing even more on Washington, where the Obama administration is expected as early as Monday to formally declare carbon dioxide a dangerous pollutant.
An "endangerment" finding by the Environmental Protection Agency could pave the way for the government to require businesses that emit carbon dioxide and five other greenhouse gases to make costly changes in machinery to reduce emissions — even if Congress doesn't pass pending climate-change legislation. EPA action to regulate emissions could affect the U.S. economy more directly, and more quickly, than any global deal inked in the Danish capital, where no binding agreement is expected.
Bottom line – if the administration can't get it done legislatively, they'll just assume the authority and implement what they wish to do to restrict emissions and require "changes in machinery" unilaterally.
An EPA endangerment finding "could result in a top-down command-and-control regime that will choke off growth by adding new mandates to virtually every major construction and renovation project," U.S. Chamber of Commerce President Thomas Donohue said in a statement. "The devil will be in the details, and we look forward to working with the government to ensure we don't stifle our economic recovery," he said, noting that the group supports federal legislation.
Can you imagine a more pervasive "emission" or arbitrarily applied set of mandates? Start asking yourself who the favored and unfavored industries are out there? Do you suppose coal fired power plants might be target one? And I'd guess that refiners would be in the same boat – unless they make ethanol.
The point of course is this is a perfect way to target and increase the cost of operating businesses that the EPA decides are the worst CO2 polluters. They'll just write regulations that require costly renovations and changes. The net outcome, of course, is increased cost to consumers – most likely in their electricity bills, the cost of goods (transportation) and just about every other aspect of life you can imagine.
An endangerment finding would allow the EPA to use the federal Clean Air Act to regulate carbon-dioxide emissions, which are produced whenever fossil fuel is burned. Under that law, the EPA could require emitters of as little as 250 tons of carbon dioxide per year to install new technology to curb their emissions starting as soon as 2012.
The EPA has said it will only require permits from big emitters — facilities that put out 25,000 tons of carbon dioxide a year. But that effort to tailor the regulations to avoid slamming small businesses with new costs is expected to be challenged in court.
Legislators are aware that polls show the public appetite for action that would raise energy prices to protect the environment has fallen precipitously amid the recession.
Understanding that the public appetite for such action is very low, legislators are perfectly happy to let cap-and-trade languish. So the bureaucracy is being empowered to go where no elected politician dares at the moment. And if you're a business, that means you're still not clear what that means to you at the moment.
And so, you don't hire. You don't expand. You're barely competitive in the global market as it is and now they're talking about adding more cost? Yeah, that settles everything, doesn't it? They'll start hiring tomorrow.
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Action : Reaction
Gee, I wonder who would have guessed that this would happen:
In a London preview of Wall Street's bonus nightmare, more than 1,000 investment bankers have quit Royal Bank of Scotland to work at rivals due to curbs on their paychecks, according to people familiar with the situation.
Wall Street banks fear top talent would flee en masse for greener pastures if Uncle Sam's pay czar, Ken Feinberg, and Congress try to put more ceilings on bonuses and pay at financial firms.
In the UK, the rules are modeled after US actions to curb pay at firms bailed out by the government.
The protest exodus at RBS — first reported on the Web edition of the Times of London — involved less than 5 percent of its banking professionals.
Some headhunters see more bankers jumping ship in the coming year as the controversy deepens over pay freezes and curbs.
Pay people less than they think they can earn elsewhere, then "elsewhere" is where you will find them.
Some will say that these ship-jumpers can't be worth too much if their companies had to be bailed out, but that gets it exactly backwards. For the most part, it's those who are responsible for the floundering that will be left working for the rotting (and now government owned) corpse, while those most capable find positions in more stable firms.
There's nothing particularly bad about this sort of slough off, except that with the bailouts thrown into the mix, it's the public that's left holding the bag. Absent the government takeovers, the same sort of thing would have happened, only in a quicker, more orderly way (see, e.g. the fallout from the collapse of Arthur Anderson, or the bankruptcy of BearingPoint).
Moreover, the demonization of Wall Street types accomplishes nothing constructive, and may very well convince otherwise enterprising young B-school grads (or potential grads) to employ their intellectual talents in other fields that may not fully capture their potential or interest. All that does is deprive the rest of us of smart, young and industrious business people who might make our world better, and instead treats us to a glut of some other professionals that we likely don't need (i.e. lawyers). And we really don't want that now, do we?
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Jobs – White House Summits Aren't The Answer
If you're among the 15 or so in this country that believe this White House job summit will actually end up creating policies that produce jobs, I think Evan Newmark's WSJ piece might dissuade you from that belief:
Now, I've never been to a White House summit, so I can't say exactly what will happen on Thursday. But as a past Davos World Economic Forum participant, I'm pretty familiar with these kinds of VIP schmooze and snoozefests.
And here's how it will likely play out. A senior White House official — perhaps the president — will give a welcome pep talk to the 130 gathered "summiteers." He'll ply them with thanks and stirring patriotic words.
But then he'll urge them to not waste the day in conference fuzzy talk. Instead, the summiteers should turn words into actions and actions into jobs. After all, it is a "jobs" summit.
And then the summiteers will shuffle off to one of six working groups — where of course they'll end up wasting the day in conference fuzzy talk.
It's inevitable. Prepared remarks, banal anecdotes and empty debates are the stuff of these mushy forums. I can count on one hand the number of memorable moments from the dozens of my Davos sessions on technology super-revolutions, entrepreneurial innovation and world peace.
That's because the VIPs at these things aren't there to say or do anything unexpected.
Do you think that FedEx CEO Fred Smith and United Steelworkers President Leo Girard will somehow reach agreement that the best way to create jobs is to kill the union-card check?
Do you think that Randi Weingarten, President of the American Federation of Teachers, will suddenly serve up innovative ideas for trade unions to assist small businesses?
It seems unlikely.
And so the jobs summit will fail for the same reason Obamanomics is failing: The White House mistakenly believes economic growth and new jobs are created by society's stakeholders — business, labor and government — cooperatively working together.
Like most of these events, this is a political stage show. It is a visual representation meant to convey the idea that a) the government is interested in your problems and, most importantly, b) it is here to help.
But the key to the failure of this summit, even if they were serious about creating jobs, is found in Newmark's last sentence. The key to economic growth and new jobs aren't the product of summits among "society's stakeholders". They never have been.
In fact, it's pretty simple as he notes:
But that's not the way capitalism works. It doesn't take a village to create a new job. It takes a businessman trying to make another buck.
So why aren't the businessmen out there trying to "make another buck"? While business is all about risk, the risks they take are rational. Businessmen aren't at all inclined to take risks that can ruin them, especially in unsettled markets. Right now economy is very unsettled and government has huge tax laden legislative bills pending which will directly effect these businesses in a very negative way. And of course, there's new and increased financial regulation pending which may effect their ability to get funds to expand their businesses and hire new workers. Thus they've concluded it would be entirely irrational to expand their business or hire in such an atmosphere.
Instead, they'll hold off on hiring or expanding until the economy and markets are much more settled and they've had the opportunity to gauge the cost to them of all of this new legislation and regulation.
That said, the simple answer on how ease economic uncertainty and thereby create more jobs is kill health care, kill cap-and-trade and back off the increased regulation. Additionally, a corporate tax cut might help as well. All of that would certainly settle market down and give businesses an incentive to both expand and hire. But this job summit? Newmark nails it. Fuzzy talk aimed at the wrong solution. The best thing the government can do is back off and let the market get back to work. Unfortunately, that won't be the solution the "summit" proposes nor will it be the policy the White House will adopt.
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The AGW Payoff For Al Gore
His supporters call him a visionary. His detractors call him a con artist. One thing is certain though, the hype of AGW is making Al Gore a very rich man. And that alone should make people very skeptical of his "cause".
Few people have been as vocal about the urgency of global warming and the need to reinvent the way the world produces and consumes energy. And few have put as much money behind their advocacy as Mr. Gore and are as well positioned to profit from this green transformation, if and when it comes.
Critics, mostly on the political right and among global warming skeptics, say Mr. Gore is poised to become the world's first "carbon billionaire," profiteering from government policies he supports that would direct billions of dollars to the business ventures he has invested in.
And, in fact, the NYT describes just such a venture that will now pay off for Gore and his partners. You remember those "smart grid" grants handed out a week or so ago?
The company, Silver Spring Networks, produces hardware and software to make the electricity grid more efficient. It came to Mr. Gore's firm, Kleiner Perkins Caufield & Byers, one of Silicon Valley's top venture capital providers, looking for $75 million to expand its partnerships with utilities seeking to install millions of so-called smart meters in homes and businesses.
Mr. Gore and his partners decided to back the company, and in gratitude Silver Spring retained him and John Doerr, another Kleiner Perkins partner, as unpaid corporate advisers.
The deal appeared to pay off in a big way last week, when the Energy Department announced $3.4 billion in smart grid grants. Of the total, more than $560 million went to utilities with which Silver Spring has contracts. Kleiner Perkins and its partners, including Mr. Gore, could recoup their investment many times over in coming years.
How very, uh, convenient. Anyone who doesn't believe Gore's connections inside government at very high levels isn't paying off just isn't paying attention. Gore has pushed AGW vigorously for years and until recently when the science he based his pitch on has been found seriously wanting, he's pretty much had it his way. Governments around the globe swallowed it whole and the movement has grown into a veritable religion.
Gore's reaction to the skepticism about his profiting off what many, myself included, consider a gigantic scam?
Mr. Gore says that he is simply putting his money where his mouth is.
"Do you think there is something wrong with being active in business in this country?" Mr. Gore said. "I am proud of it. I am proud of it."
There's absolutely nothing wrong with being active in business in this country, Mr. Gore – unless of course it's the coal business or the lumber business or the nuclear energy business, or the oil business. Or for that matter the pharmaceutical business, health insurance business or financial sector. Then there's the car business …
Well you get the idea. What Mr. Gore is actually proud of is creating a business that's a politically popular one and stands to suck in untold piles of money based on a scam that would make Bernie Madoff green with envy. Because Al Gore has created and is engaged in a "legal" ripoff the size of which the world has never seen. Of course he's "proud of it".
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Poor Joe …
Michael Moore has a post on his blog from someone named John Gray entitled, "A Day In The Life Of Joe Middle-Class Republican" in which Gray attempts to make the point that all good things we enjoy in life flow from government and liberals. It begins like this:
Joe gets up at 6:00am to prepare his morning coffee. He fills his pot full of good clean drinking water because some liberal fought for minimum water quality standards. He takes his daily medication with his first swallow of coffee. His medications are safe to take because some liberal fought to insure their safety and work as advertised.
All but $10.00 of his medications are paid for by his employers medical plan because some liberal union workers fought their employers for paid medical insurance, now Joe gets it too. He prepares his morning breakfast, bacon and eggs this day. Joe's bacon is safe to eat because some liberal fought for laws to regulate the meat packing industry.
And so on. Gil Guillory answers Gray's assertions in a comment at the Mises blog:
Joe gets up at 6:00am to prepare his morning coffee. He makes it with a machine he could not possibly have made himself. He does not know where it was made, or how it works, and may not care. He does not know the people that planted, cultivated, harvested, dried, roasted, packaged, freighted, warehoused, distributed, marketed, or retailed his coffee, and may not care. The company that insures the manufacturer of the coffee machine required that it meet certain safety guidelines, as established by the private insurance-company-funded Underwriters Laboratory. Joe has seen the UL mark, but is not really sure what it's for or how it protects him. He doesn't clearly understand why greedy businessmen might be interested in a safe product. All of this was made possible by libertarians who fought for and won the legal right to free trade.
He fills his pot full of good clean drinking water which he bought from Ozarka, because the local government monopoly of water supply bears the comforting designation of "accepted" and also tastes funny.
Sam Bostap also answers the post:
Joe gets up at 6 a.m. and fills his coffeepot with bottled water because he knows that the municipal water system supplies water that occasionally has e coli and other natural organisms that will make him ill–after all his mother died from drinking water that was polluted by sewage after a heavy rain. Joe tried to sue, but was told that the city had sovereign immunity from such suits as a result of state law. If the water he pours from the bottle he bought at Safeway is polluted, he knows he can sue the manufacturer and collect big, so he feels pretty sure that it's clean.
Joe grinds his coffee beans carefully because they're very expensive as a result of the U.S. government-enforced international coffee cartel that exists to protect the jobs of coffee importers–heavy campaign contributers to Congress. He's also careful about how much sugar he puts in his coffee because it costs seven times the world price of sugar as a result of the U.S. government imposed import restrictions on sugar to protect the domestic sugar beet and sugar cane industry.
I don't think you'd have to guess very hard to know who I think wins this little battle of the Joes. But I don't think all the bases have been covered in the two parodies of Gray's original post.
Your additions to the reasons for Joe's quality of life are solicited.
Against Obama's Global Tax Hike
I'm not keen on many taxes to begin with, but as a practical matter, some are more destructive than others. Some are so bad that they're a train wreck even by their proponents' stated standards.
President Obama has proposed a package of tax hikes on the overseas operations of American firms. The supposed benefits sound like political winners: over the next decade the feds get $210 billion to shovel into the yawning budget hole, and at the same time discourage those companies from outsourcing jobs. Congressmen who promise more jobs but are wary of mounting deficits might think they're hitting two birds with one stone.
But there are more appetizing birds than the goose that laid the golden egg.
See, there are just a few things that offer relief from the fact that the US is one of the few countries to tax its companies' operations all over the globe. One is "deferral" – companies don't pay taxes on most earnings until the money is returned to the US parent company, so they can delay getting slapped with the double tax by reinvesting their foreign earnings in foreign operations.
Another big relief is being able to claim credits on the taxes they pay to foreign governments.
Obama is proposing, among other things, to place new limits on deferral and clamp down on tax credits. These changes won't work as advertised: they won't reduce outsourcing (they may increase it) and won't raise nearly as much revenue as originally claimed.
First, most American companies that expand overseas do it to get around trade barriers and get close to their customers. When a new KFC opens up in China, that's not an outsourced American job; that's an American business getting to expand into a growing market. The vast majority of sales made by foreign affiliates – think 90 to 94 percent – were to foreigners, not exports back to the US.
Second, the roughly 2,200 US-based corporations with overseas operations either employ or support the employment of 22 million Americans, and those companies create half of all American exports. Jobs here rely on providing direction to foreign workers (managers, engineers) and producing goods for affiliates to sell in foreign markets.
The growth of US foreign affiliates is "consistently accompanied" (PDF) by the growth of their parent companies, the opposite of what you would expect from a zero-sum perspective on "outsourcing". More expansion abroad means more jobs, compensation and investment at home.
So making American firms uncompetitive abroad not only threatens jobs at home but even encourages businesses to headquarter themselves outside the US.
And as a result of that, the policy changes won't raise nearly as much revenue as Obama claimed.
- The global downturn has been worse than Obama suspected back when that $210 billion figure was calculated.
- We've tried cutting back deferral before: in 1986, the government repealed deferral for the shipping industry, and consequently we lost half of our shipping capacity, taking a bunch of jobs and tax revenues with it.
- Even still, never underestimate the creativity and industriousness of tax lawyers.
That last part might not be such a problem if Obama's proposals simplified the tax code, like he claims. But they make things worse on that score, not better.
As a note to my fellow Virginians: these companies with overseas operations are responsible for over half of the private sector jobs in the commonwealth (PDF source), and they tend to be the better-paying jobs (averaging over $70k compensation) like computer systems design and telecommunications. Is that going to sit well with the likes of Sen. Warner?
Bills that hurt this many people are loaded with political liabilities, yet I got word a few days ago that a bill with Obama's proposals may come up for consideration in the House in September.
Get the word out. The more people know what this is going to cost them, the harder it will be to sell. By all rights, Obama's Globo-Hike should fail politically before it has a chance to fail as policy.


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Invest for Retirement Without a Plan? You're on Thin Ice
By Joseph A. Clark
NEW YORK (AdviceIQ) -- To listen to me commenting on the Olympic figure skating in Sochi, youd think I was an expert. But I know very little about it. Tragically, too many investors make decisions whose basis is as thin as my knowledge of skating.
As we watched the Winter Olympics skating competition on TV, I pointed out to my wife a Salchow jump and then a death spiral. She looked at me with surprise and marveled at how much I knew about the sport.
Then she asked my take on the competitors technical score. I confessed that my opinion rested on what I like and hardly qualified me to pass judgment on the entire routine. My meager knowledge came from reading an article about skating maneuvers.
Truth be told, we go through life passing judgment based on many little pieces of information, without truly grasping the context of the entire issue. The blunders in retirement planning are legion, resting on such misperceptions.
Unlike the few minutes Olympians get to perform, your retirement plan must last as long as you do. In fact, there should be some resources left after you are gone. The skaters scores confuse me, even though I can watch the entire routine. So imagine how challenging it can be to determine if an investors retirement performance is successful. You first need to define investing success, much like an Olympic athlete quests for a medal. For most of us, the proper definition has nothing to do with the return on an individual investment or even your portfolio over a single year. Success comes from your money lasting longer than you do while allowing you to maintain the lifestyle you enjoy. The focus has to be multi-faceted. You must pay attention to the amount you save. Often, people save only the minimum amount needed to gain an employers 401(k) match. Odds are that it is too low to meet their goals. Plus, they may choose poorly in their investment tools perhaps putting the bulk of their 401(k) into a low-returning money market fund because they think it is safe. Too bad that it wont grow to meet their needs or keep up with inflation. Trouble finds you if you follow an emotional investing style, try achieve illusory safety or chase ambiguous market returns and perceived ideal market averages. Rather, a disciplined approach that provides a return in calm and choppy markets has a far better chance of getting you to the retirement you imagine. Many investors take the tax landscape for granted without understanding the fluid nature of the tax code, and make necessary corrections. Look at snowboarder Shaun White, who lost his bid for a third Olympic gold medal in the halfpipe, a sloping U-shaped course where the athletes show off aerial maneuvers. White had trouble with the walls, which were more vertical than he was used to, and the bumpy surface. He finished fourth. While these conditions were outside his control, he also failed to make adjustments. By ignoring changing conditions and hoping for the normal outcome, many investors end up with retirement surprises they could do without. What if you misjudge the effect of the new 3.8% tax charge on investment income for couples with more than $250,000, mistakenly thinking it doesnt apply to you? That spells problems with the Internal Revenue Service. There are many art forms in the world. We watch the Olympians and cheer for their success and safety. It's an advisers' job to watch over the families they serve with the same competency, clarity and communication they use in their own finances. It's an investors job to envision goals and use all the intelligence and flexibility they can muster to achieve them. Follow AdviceIQ on Twitter at @adviceiq. -- Joseph "Big Joe" Clark, CFP, is managing partner of Financial Enhancement Group, an SEC-registered investment advisory firm in Indiana. He teaches financial planning at Purdue University and is the host of "Consider This with Big Joe Clark," found on WQME and iTunes. He is a registered principal offering securities and registered investment advisory services through World Equity Group, member FINRA/SIPC. Big Joe can be reached at email@example.com, or (765) 640-1524. Follow him on Twitter at @Big Joe Clark and on Facebook at here. AdviceIQ delivers quality personal finance articles by both financial advisors and AdviceIQ editors. It ranks advisors in your area by specialty, including small businesses, doctors and clients of modest means, for example. Those with the biggest number of clients in a given specialty rank the highest. AdviceIQ also vets ranked advisors so only those with pristine regulatory histories can participate. AdviceIQ was launched Jan. 9, 2012, by veteran Wall Street executives, editors and technologists. Right now, investors may see many advisor rankings, although in some areas only a few are ranked. Check back often as thousands of advisors are undergoing AdviceIQ screening. New advisors appear in rankings daily.Check Out Our Best Services for Investors
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subset: commoncrawl


text:
Winds: Northwest 9
Mrs. Lera Perkins, 88, of Fayetteville, Ga., went to be with the Lord on Monday, Sept. 12, 2011. She fought a long battle with heart disease.
She was born Jan. 21, 1923 in Sabine County, Texas. She was the salutatorian of the 1940 class of Alto High School, and retired from Texas Industries in 1989. Lera was a member of FUMC, Beford, Texas.
She moved to Fayetteville in 2001. She was a member of Bridge Club groups of The Gathering Place. Lera was proudly a Certified Bridge Life Master. Read More»
On Monday, Sept. 19, 2011, Marilyn Dyar Mansch passed away at her residence in Tyrone, Ga., surrounded in love by family and friends.
Marilyn was 56 years old and had fought a courageous battle with cancer. She is now at peace in the loving arms of Jesus. Read More»
Mrs. Martha McWhorter, of Fayetteville, passed away on Sept. 19, 2011, at the age of 85.
She was a 42-year employee of White Electric Company. Mrs. McWhorter was preceded in death by her husband, Bobby McWhorter, and daughter, Patty Sutton.
She is survived by her nephews, William F. Evans of Fayetteville, Olin R. "Randy" Evans (Maria Mackas) of Decatur, Don S. Evans (Debbie) of McDonough, daughter-in-law, Betty McWhorter, and many grandchildren, grandnieces and grandnephews. Read More»
Raymond C. Harris, 90, of Fayetteville, Ga., passed away peacefully on Sept. 14, 2011. He was preceded in death by his wife of 69 years, Thelma Brannon Harris, and his brother Walter Harris. Left to celebrate his life is his son, Wayne Harris (Marilyn) of Fayetteville, many nieces and nephews, family members and friends earned over a lifetime. Read More»
Mrs. Betty Joyce Buehl, of Riverdale, passed away on Sunday, Sept. 18, 2011, at the age of 75.
Mrs. Buehl was a loving mother, sister, grandmother and friend to many. She was a very generous person who was willing to assist others in their times of need, whether it was sitting with those who were ill or preparing special dishes for them in her kitchen. It's said that she was an amazing cook, but she would very willingly clean up after others who chose to do the cooking for her. Read More»
Gena Turner (Mary Eugenia Wright Turner), 71, of Fayetteville, Ga., went home to be with her Lord on Wednesday, Sept. 14, after a courageous and hard-fought battle with myelofibrosis and leukemia. She is preceded in death by her husband, John E. Turner, and by her parents, Martha Duke Wright and W. E. Wright, and a host of friends and relatives. Read More»
Mr. Lester Ray Duncan, 80, of Newnan, Ga., passed away on Sept. 14, 2011.
Mr. Duncan is a former resident of Lakewood Christian Manor. He retired from Genuine Auto Parts, where he worked as a parts delivery man.
Being an avid collector, he enjoyed increasing his collections of belt buckles, plates, guns and coins. Read More»
Carl Gilbert Threadgill, (Retired Lieutenant Commander) age 91, passed away on Thursday, Sept. 15, 2011. Another of the Great Generation has left us.
He was born in Bullochville, Ga., to the late George Washington Threadgill, Sr. and Jewell Still Threadgill. He was the son of a Meriwether County farmer. He enlisted in the U.S. Navy in 1940 and served in World War II, Korean and Vietnam wars. Read More»
North Augusta, S.C. — Graveside Services for Mrs. Hettie Putt Lawson, 88, of North Augusta, S.C., who entered into rest Sept. 1, 2011, was conducted Saturday, Sept. 3, 2011, at 10 a.m. in Westover Memorial Park. Chaplain Dexter Lambert officiating.
Mrs. Lawson was a native of Baldwyn, Miss., a former resident of Peachtree City, Ga., having made North Augusta, S.C. her recent home. She was a member of the Peachtree City Christian Church, the Messenger Sunday School Class, the Dorcas Women's Circle and a homemaker. Mrs. Lawson was the "Proud Army Wife" of the late CWO James W. Lawson, Sr. Read More»
Norman Cale, 78, of Sharpsburg, Ga., passed away on Sept. 14, 2011. Norman was a graduate of the University of Alabama and served in the United States Marine Corps. An Eastern Airline captain and avid golfer, Norman had a great life and was well-loved by all who met him. He is preceded in death by his son Kent Cale.
He is survived by his wife, Nancy Herndon Cale; daughters Karen Turner and Kelly Cale; son Kip Cale; stepson Todd Hale; stepdaughters Shannon Johnson, Branndan Vanegmond and grandchildren. Read More»


text: To make a big impact on lung cancer, we need your support. By sending this letter below, you will be contacting and urging all of Congress to make lung cancer screening a covered Medicare benefit. Your information is used so that Congress may send you a reply and route it to the appropriate representative. Your letter will go to both your U.S. Senate and U.S. Congress representatives. LungCAN will not sell or give away your information to any third-party entities.


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From a male LIB reader
Dear Linda Ikeji blog readers. I'm a 29 old self employed man, I am not married and don't have any children.
Every night for the past 10 years and I mean every night, I have had the same dream. This dream takes me back to either my primary school, secondary school or the University, where I'm usually in a class with my mates both the ones I heard died years back and the ones I haven't seen since we all left the institutions.
In this dream, we're usually in a classroom writing either a test or an exam. The questions are always simple so I answer them but never get them submitted. I watch everybody in the class submit except me. When ever I get up to submit, it's either the paper disappears or I see a blank sheet, sometimes I get too weak to get up from my seat or as I approach the teacher I wake up from the dream. Bottom line is I've never submitted any exam sheet before for the past 10 years.
That's not the one that bothers me. Recently the dream changed to never getting to my proposed destination. Every time I try to go out, I never do. I dress up get into my car and it never starts. My car in real life is very sound, it has never disappointed me before so why is it that it doesn't move in my dreams. Even when I struggle to go out, I end up at the same spot.
So last night/this morning I had the same dream, this time it was me and my older sister. We were going to get some money from her debtors, we both got into her car and drove off, some minutes after we left her house the car stopped and the next thing we found ourselves in a grave yard dancing for a group of people.
I'm tired of keeping this dreams to myself, I've not been able to tell a soul because I dont want any disturbance around me.
But I am here as an anonymous person to seek help. Does this dream make me stagnant?
Because I really can't make any meaning of life. I still depend on my sisters to live. Never had a job, never had a serious relationship. I'm pretty much the same guy from 10 years ago.
Can someone tell me what this dreams mean?
Should I be worried?


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Capital Read
Capital Read 2012 - Updates
Submitted by rummykhan on Wed, 08/08/2012 - 08:00So far, we have a tweet from KRCG's Teresa Snow letting us know that she liked the book (with a bonus tweet from the author in appreciation). Have you read the book yet? What do you think about it? Let us know via Twitter (just add @MRRL to your tweet and we'll be sure to see it) or go to our Facebook page at http://www.facebook.com/pages/Missouri-River-Regional-Library/110130657103 to leave us a comment.
Do you have a story?
Submitted by rummykhan on Tue, 07/10/2012 - 08:00MRRL Needs Family Stories!!!
Missouri River Regional Library is looking for a few good family stories. As part of the 2012 Capital Read, A Good American, the library is looking for family stories of ancestors who immigrated to Mid-Missouri from Germany.
"We are hoping to create a program in October where people can share these stories and photographs and perhaps read from letters or journals they may have," said Claudia Schoonover, assistant director of public services. "I am very excited about this project and eager to hear from families."
Book Discussion - March, by Geraldine Brooks
Submitted by rummykhan on Tue, 11/15/2011 - 08:00Join Claudia and George as they lead a discussion of the Capital Read book for 2011 - March, by Geraldine Brooks. This discussion will be held in the MRRL Art Gallery at 7pm on Nov. 22nd.
The Impact of the Civil War on Popular Culture
Submitted by rummykhan on Thu, 10/20/2011 - 08:00Join us on Tuesday, Oct. 25th for Greg Wolk (President of Missouri's Civil War Heritage Foundation) discusses how the Civil War has influenced our pop culture.
Capital Read - Author Visit
Submitted by rummykhan on Sun, 10/10/2010 - 07:50FINN is an American Library Association Notable Book and was named one of the year's top novels by the Washington Post, the Chicago Tribune, and the Christian Science Monitor. It was also short-listed for he National Book Critics Circle's first-ever Best Recommended List and the Sargent First Novel Prize.
All Things Twain
Submitted by rummykhan on Mon, 10/04/2010 - 08:15Dr. Cindy Lovell is the Executive Director of the Mark Twain Boyhood Home and Museum in Hannibal, Missouri. She is an associate professor at Quincy University, wheee she teaches undergraduate and graduate courses in education and a First Year Experience course on Mark Twain. Her areas if expertise include Mark Twain, curriculum development, writer's workshops, gifted education and teaching English as a new language. She has published two children's novels, Rachel Manson Hears The Sound and Not This Sunday.
Capital Read Events Starting TODAY!!
Submitted by rummykhan on Tue, 10/13/2009 - 06:57The first of the events surrounding the book that Jefferson City is reading - The Night Birds, by Thomas Maltman - starts today at Noon with a special edition of the Fiction at Noon Book Discussion Group.
Fiction at Noon Book Club - The Night Birds
Submitted by rummykhan on Tue, 10/06/2009 - 06:56On the last Tuesday of every other month, The Fiction at Noon Book club meets to discuss outstanding works of fiction. Reservations are required for this club - you can call 634-6064 ext. 237 to make your reservation and reserve your copy of the book being discussed. In October, however, there will be a special Fiction at Noon program that is part of our Capital Read events.


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Thiensville Village Trustee race
Voter's guide for Tuesday, April 3, election (two seats)
Kim C. Beck
Age: 56
Employer/ occupation: director, Arts, Humanities and Science at the UW-Milwaukee School of Continuing Education
Education: B.A. philosophy, St. John's University, Minn.; M.A. humanities, UW-Oshkosh; M.A. theater and drama, UW-Madison
Contact: (262) 573-4449; firstname.lastname@example.com
Why are you running for office?
My family enjoys living in Thiensville and I want to give back to our community. One of my top goals is guaranteeing that Thiensville's unique history, tradition and identity remain strong. At the same time, I want to ensure that our village is prepared for the challenges of the future.
Given the need to rehabilitate all or portions of Main Street, how would you address the issue of water mains for the area?
It is clear, that at the moment, having a municipal water supply along Main Street is not a top priority for most of the current business owners. It doesn't make sense for to invest in more expensive options for the current Main Street repaving project. I would favor one of the less expensive options with a shorter life span. At some point in the future, businesses are not going to be satisfied with well water.
How should the village encourage development/redevelopment in its business district?
The village should be proactive in encouraging development. We must figure out ways to make the village more attractive to potential business owners. We should research best practices of comparable communities that have been successful in finding new businesses. I would also investigate possible federal grants or subsidized loans that might help with initial costs. The goal is to do as much as possible to encourage development without any significant increase in property taxes.
Toni Ihler (i)
Age: 52
Employer/ occupation: program educator, Columbia-St. Mary's
Education: B.A.: Political Science, Marquette University; M.P.A. Public Administration/Administrative Law
Contact: email@example.com; (262) 236-3757
Why are you running for office?
To continue representing the people with experience, insight, and effective partnerships with citizens and businesses. I will continue to support an independent Thiensville, protect our quality of life, and strengthen our business community. It is a privilege to do so, and I look forwarding to continuing our work together.
Given the need to rehabilitate all or portions of Main Street, how would you address the issue of water mains for the area?
Through providing fiscally responsible options to the current and future business community by balancing their expressed need(s). This year's planned resurfacing of Main Street provides the opportunity to create the supporting infrastructure should the municipal water option be supported as a practical or viable option for Main Street development.
How should the village encourage development/redevelopment in its business district?
Create effective partnerships with key stakeholders, provide financial incentives, reduce bureaucracy, and develop a strong, desirable "brand" for the village. With over 15 years experience in small business development, I believe a vibrant business community plays a significant role in the quality of life and desirability of a community.
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from Glass Museum
View From Oberbaum Bridge in Berlin-Kreuzberg to the city center, onto the River Spree. On the right side of the river you can see the remains of the Berlin Wall, the Eastside Gallery. More Berlin panoramas: Swans at Urbanhafen: gigapan.org/viewGigapan.php?id=7180 Lustgarten: gigapan.org/viewGiga...
Akershus Castle in Oslo
Carl Anton Larson established Grytviken as the first whaling station on South Georgia in 1904. It was a wise choice for such an enterprise because there was a remarkable abundance of whales in the waters around South Georgia. Harvesting was profitable with whales rendered into oil for foods, cosmetics, medicines and ch...
This is the dock at Ushuaia in Tierra del Fuego, Argentina. Located at the extreme south of South America, Ushuaia serves as a port for many ships bound for Antarctica. Other popular destinations for these vessels include South Georgia, The Falkland Islands, The South Orkney Islands and the South Sandwich Islands. You...
The sloop Regina M and the whaling ship Charles W. Morgan at their docks in Mystic Connecticut. In November 2008, the Morgan was hauled ashore. If you visit the Henry B. duPont Preservation Shipyard at Mystic Seaport, you can watch the shipwrights as they restore the 18th Century wooden whaling ship.
The aloha deck and swimming pool on the Pride of America cruise ship. (not the same image as l67, below) (123mm equivalent lens)
Spencer did Kung Fu with his bamboo sticks from the Iao valley (they later seized his sticks in security :-( This image turned out almost exactly as I visualized it...a win for our side! (154mm equivalent)


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What does FSA mean in IEEE?
This page is about the meanings of the acronym/abbreviation/shorthand FSA in the Academic & Science field in general and in the IEEE terminology in particular.
Joyce E. Farrell IEEE Staff Award
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text:
Militia's other weapon: videos
Video has become an important propaganda tool in the Mahdi Army fight against the US, which continued Tuesday in Najaf.
Abu Mujtaba is not your typical filmmaker. He doesn't have an agent, he doesn't aspire to move to Hollywood, and his interest in film is chillingly practical. He considers Black Hawk Down a "great film," for instance, because it shows him how to kill Americans.
Abu Mujtaba is a member of the media department of Moqtada al-Sadr's Shiite militia. He uses a tiny digital Sony Handycam instead of a Kalashnikov and is one of a half-dozen guerrilla filmmakers who record their acts of war to encourage their followers, spread their beliefs, and portray what they see as the heroism of Sadr's militia, the Mahdi Army.
Mahdi's moviemakers have been shooting digital videos during battles in Sadr City and in Karbala, as well as all throughout the standoff in Najaf, which continued Tuesday as Iraq's government warned the militia that it has "hours to surrender" until they are attacked inside the Shrine of Imam Ali.
"This is part of our mission. We film in order to record whatever happens on the battlefield, because we have to get rid of the occupying forces," says Mr. Mujtaba, who agreed to speak with the Monitor on condition that his name be changed. "The TV channels always show the Americans strong, saying 'Go, Go, Go!' They never show the American deaths. So these films by the Mahdi Army show how we kill the Americans, they are not invincible."
The Mahdi Army, of course, are only the latest militant movement to have taken up video as a political weapon. From the kidnapping videos of Abu Musab al-Zarqawi to the suicide bomber videos on the West Bank and video-fatwas of Osama bin Laden, video has become a phenomenon for militant Islamic movements around the world. Distributed through dumpy roadside shops and even over the Internet, guerrilla videos have become a way of bypassing mainstream media and going directly to the masses. Video can be divisive, turning away as many supporters as they attract, but their effect is powerful nonetheless.


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Cooking Light MARCH 2000
Heat oil in a large Dutch oven over medium-high heat. Add half of the pork; sauté 5 minutes or until browned. Remove from pan. Add remaining pork; sauté 5 minutes or until browned. Remove from pan. Add onion and mushrooms to pan; sauté 4 minutes. Return pork to pan; add carrot and next 7 ingredients (carrot though beer). Bring to a boil; reduce heat, and simmer 1 hour or until pork is tender.
Combine cornstarch, vinegar, and mustard in a small bowl, and stir with a whisk. Add to pork mixture, and bring to a boil. Cook 3 minutes, stirring frequently. Serve with rice. Garnish with sage sprigs, if desired.
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This is what I call a ShotGun... Freaking sweet http://youtu.be/siOEEOTjGqM
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I have a very old National 12g pump shotgun and the serial number 123503. Can anyone tell me the year this was Manufactured


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Canada's Boreal Is World's Largest Water Source
A new report by the Pew Environment Group has revealed that Canada's boreal forest, the world's largest on-land carbon storehouse, contains more freshwater than any other ecosystem, totaling more than 197 million acres of surface freshwater.
As water scarcity and pollution continues to be a major topic, especially as the United Nations celebrates the International Year of Forests and World Water Day, scientists are calling boreal protection a top global priority.
Canada must limit large-scale industrial activity in its boreal forest, to preserve millions of lakes and rivers critical to forming Arctic sea ice, the Pew report states.
"When you look at a color-coded map of the world's (unspoiled) freshwater reserves (marked in blue), it's just shocking to see all the blue in Canada," the study's lead author Jeffrey Wells told AFP.
Canada's boreal forest provides a vital fortification against global loss of biodiversity, irreplaceable food and cultural benefits to rural communities, and also slows the impact of global warming. These ecosystem services have an estimated $700 billion annual value.
Twenty-five percent of the world's wetlands are contained within Canada's boreal and it has more surface water than any other continental-scale landmass. Half of the world's lakes larger than 0.6 sq. miles in size and five of the 50 largest rivers in the world are located in the boreal, as well as the single largest remaining unpolluted fresh water body: Great Bear Lake.
The extensive river system of the boreal serves as a last safe haven for many of the world's migratory fish, including half of the North Atlantic salmon populations.
The waters of the boreal also influence the world's climate. Wetlands and peatlands store as much as 160 billion tons of carbon, more than 25 years worth of man-made emissions. The delta of the Mackenzie River alone stores nearly 45 billion tons. The boreal fresh water rivers are critical to the Arctic and other northern seas for them to form sea ice, which cools the atmosphere and provides the basis for much of Arctic marine biodiversity.
University of Alberta Ecologist David Schindler — recipient of the first Stockholm Water Prize (1991) and a member of the International Boreal Conservation Science Panel (IBCSP), which reviewed the report — said that the world needs to act quickly to safeguard natural water resources. "Enacting sound conservation policy to protect Canada's free-flowing waters and wetlands in the boreal is not just a local issue; it is one of global importance," he said in a statement.
Impacts from large-scale industrial activities have put an increasing strain on Canada's boreal forest. Global demand for resources from the boreal is rising, with more than half of total exports of forest products, oil, natural gas and hydropower going to the United States.
Lakes have been drained to access minerals or to dispose of mine waste. Erosion from logging is increasing amounts of silt flowing into rivers, which can reduce regional precipitation on a large scale. Construction of hydroelectric dams has also destroyed or degraded wetlands in the boreal.
"At a time when clean water supplies are disappearing, the vast reserves in Canada's boreal are increasingly important to protect," said Steve Kallick, director of the Pew Environment Group's International Boreal Conservation Campaign. "Canadian provinces and First Nations have already made major strides defending the integrity of the vast lakes, rivers and wetlands in the forest, but they need to do more to guarantee that Canada's water stays pure and abundant, watershed by watershed."
The Pew Environment Group worked with First Nations, federal, provincial and territorial governments, and conservation groups to protect the boreal forest. As a result of their work, 185 million acres of boreal have been set aside, including key wetland and river systems. The total represents more than 12 percent of the boreal forest's 1.2 billion acres.
But the Pew report concludes that governments should protect entire wetland ecosystems by preserving at least half of Canada's boreal forest. It also demands that "sustainable" development in the rest of the northern forest must be abided by.
"In conservation, so much of the discussion is centered on scarcity and loss," said Dr. Stuart Pimm, Doris Duke Chair of Conservation Ecology at Duke University and IBCSP member.
"It is imperative that the world recognize and protect the fresh water that is left. Canada has an extraordinary opportunity that does not exist anywhere else in the world to keep its aquatic ecosystems intact and to create a positive ripple effect on the land, animals, birds and people who depend on these resources," Pimm added.
Most of the boreal rivers and lakes in Eastern Canada drain into the Hudson and James bays before water is carried northward to the Labrador Current and then flows south into the North Atlantic.
The Mackenzie River influences the strength and movement of major currents in Western Canada, including the Beaufort Gyre and the Transpolar Drift, which carries cold, less-salty polar waters south into the deepwater North Atlantic Conveyor and back to the tropics.
The Yukon River flows into the Bering Sea and contributes to the extensive sea ice of the Bering Sea before continuing north, eventually contributing to the North Pacific Current that rushes through the Bering Strait into the Arctic Ocean.
Seasonal sea ice would fade and temperatures around the world would quickly rise if these flows were at all reduced or restricted. If left unchecked, warming could lead to decreased precipitation in the boreal forest, resulting in drying lakes and ponds to the point where they would no longer have outflow, the study said.
The analysis is the first compilation of decades of research on the boreal water reserves from more than 200 scientific studies, government reports and other sources.
Image 1: Oscar Lake and surrounding mountains in the boreal forest of Canada's Northwest Territories. Cerdit: The Pew Environment Group
Image 2: Ecosystem services provided by Canada's boreal, such as climate control, food, and water filtration, are estimated to be more than $700 billion annually.
On the Net:


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US federal agents have raided at least 20 homes suspected of being involved in "birth tourism" - schemes for pregnant Chinese women to have their babies in the United States.
Topics: law-crime-and-justice, children, pregnancy-and-childbirth, united-states, china, asia
| UpdatedThe Canberra Hospital will be allowed to keep its status as a maternity training hospital for now, but it will be reviewed again in six months.
Topics: healthcare-facilities, health-administration, occupational-health-and-safety, pregnancy-and-childbirth, woden-2606, act, canberra-2600
| UpdatedThailand's interim parliament passes a law that bans foreigners from seeking surrogacy services to end a "rent-a-womb" industry that made the country a top destination for fertility tourism.
Topics: surrogacy, pregnancy-and-childbirth, reproduction-and-contraception, health, world-politics, thailand, australia, asia
The Health Ombudsman has cleared the Townsville Hospital in north Queensland of any wrongdoing over the death of a baby nearly two years ago.
Topics: healthcare-facilities, doctors-and-medical-professionals, pregnancy-and-childbirth, townsville-4810
| UpdatedAn Indian woman who discovered she had mostly male chromosomes gives birth to healthy twins after intensive treatment, in what doctors say is the "rarest of rare cases".
Topics: pregnancy-and-childbirth, health, medical-procedures, india
| UpdatedA man on Queensland's Gold Coast is remanded in custody after allegedly using an axe to murder a woman pregnant with his child. Police say he could also be charged with killing the child.
Topics: crime, domestic-violence, pregnancy-and-childbirth, surfers-paradise-4217, southport-4215
| UpdatedOffering shopping vouchers to pregnant smokers can make the women significantly more likely to give up nicotine, a study in the UK has found.
Topics: smoking, health, medical-research, pregnancy-and-childbirth, reproduction-and-contraception, united-kingdom
A Darwin mother said terminating her pregnancy was the most "difficult choice" of her life, but it would have been easier if she had access to RU486.
Topics: abortion, health, womens-health, pregnancy-and-childbirth, medical-ethics, darwin-0800
| UpdatedThe ACT Government refuses to release results of staff surveys from the troubled Centenary Hospital for Women and Children in Canberra's south.
Topics: health, pregnancy-and-childbirth, act, canberra-2600, woden-2606
| UpdatedOne-in-eight children born in a group of remote communities in Western Australia's Kimberley region has fetal alcohol syndrome, a new study shows.
Topics: alcohol, medical-research, pregnancy-and-childbirth, indigenous-aboriginal-and-torres-strait-islander, fitzroy-crossing-6765
| UpdatedThe ACT Government reveals it is considering publicly funding home births for pregnant mothers to ease the demand on the maternity hospital.
Topics: pregnancy-and-childbirth, healthcare-facilities, health-policy, health, act, canberra-2600, woden-2606, belconnen-2617
The Bairnsdale Regional Health Service is reassuring East Gippsland's pregnant women they will still have access to midwives if they want them.
Topics: pregnancy-and-childbirth, bairnsdale-3875
| UpdatedPregnant Canberra women may soon be unable to choose which hospital they give birth in, as ACT Health considers plans to assign patients to hospitals depending on where they live.
Topics: pregnancy-and-childbirth, healthcare-facilities, states-and-territories, womens-health, act, canberra-2600, bruce-2617, woden-2606
| UpdatedIreland's High Court rules that a life-support machine keeping a brain-dead woman alive can be switched off because her unborn foetus has no chance of survival.
Topics: pregnancy-and-childbirth, courts-and-trials, law-crime-and-justice, ireland
| UpdatedThe United States confirms it helped a Cuban spy imprisoned in California artificially inseminate his wife back in Cuba.
Topics: pregnancy-and-childbirth, world-politics, cuba, united-states
A Tennant Creek group is calling for more NT Government discussion on the issue of alcohol consumption and pregnancy.
Topics: drugs-and-substance-abuse, activism-and-lobbying, pregnancy-and-childbirth, tennant-creek-0860, alice-springs-0870
| UpdatedA Facebook post is being highlighted for its role in saving the life of a heavily pregnant woman in a remote part of Papua New Guinea.
Topics: social-media, health, pregnancy-and-childbirth, papua-new-guinea, pacific
| UpdatedA woman who allegedly sold fake ultrasound images to expectant mothers is charged with breaching Australian Consumer Law. Scores of woman realised they had received identical images from the business after sharing them on Facebook.
Topics: pregnancy-and-childbirth, bunbury-6230
Topics: babies---newborns, pregnancy-and-childbirth, death, griffith-2680
| UpdatedTwo heavily pregnant refugees who refused to leave a bus for two days were intentionally left in the Northern Territory sun without air-conditioning and not brought food and water, advocates say.
Topics: refugees, pregnancy-and-childbirth, darwin-0800
| UpdatedThe French families of two girls who were switched at birth have appeared in court, suing doctors and the clinic involved in the case for more than $US15 million.
Topics: courts-and-trials, medical-ethics, law-crime-and-justice, family-law, pregnancy-and-childbirth, france
Aboriginal women are keeping quiet about their pregnancies due to a lack of birthing options in remote Northern Territory communities, according to a health researcher.
Topics: pregnancy-and-childbirth, indigenous-aboriginal-and-torres-strait-islander, reproduction-and-contraception, health, infant-health, health-policy, healthcare-facilities, womens-health, darwin-0800
| UpdatedA group of Canberra midwives is calling on the ACT Government to make homebirth available as a publicly funded service.
Topics: health-policy, pregnancy-and-childbirth, act, canberra-2600
| UpdatedFollowing the discovery of an abandoned baby in a drain in Sydney, should there be special 'baby havens' where parents could leave unwanted children?
Topics: human-interest, child-abuse, pregnancy-and-childbirth, australia
| UpdatedMore than 600 Australian women each year suffer crippling pregnancy-related psychosis, but many states do not have hospital beds to treat the condition.
Topics: pregnancy-and-childbirth, womens-health, mental-health, children, health, australia


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Gusto At Villa Kennedy
Book a TableContact us Gusto
Opening Times
Breakfast: 6.30am to 10.30am (Weekends: 07.00am to 11.00am)
Lunch: Noon to 2.30pm
Dinner: 6.30pm to 10.30pm
Get Social
About Gusto
With its innovative Italian menu, our award-winning Gusto restaurant is the perfect place to meet and unwind.
Full of fun and flavour, our Gusto restaurant showcases Fulvio Pierangelini's flair. The dishes, sophisticated in their simplicity, pair the freshest local ingredients with authentic Italian recipes.
Enjoy Fulvio's Spaghetti al Pomodoro, Ravioli Grune Sose or fish of the daycooked on a Himalayan Salt Stone, in a buzzing space, where crowds spill out onto the lively terrace for an alfresco experience in warmer months.
Our Team Gusto
Executive Chef
Dario Cammarata
Executive Chef, Dario Cammarata, is a Villa Kennedy institution. His Sicilian roots bring a fiery passion to every dish. In Frankfurt, with his Italian team beside him, Dario produces Fulvio's plates with a combination of German precision and authentic, Mediterranean heart.
Director of Food
Fulvio Pierangelini
Celebrity Chef Fulvio Pierangelini has more than 40 years of experience, and is renowned for his Michelin-starred restaurant, Il Gambero Rosso. Now, as Creative Director of Food, he has conceived a 'simple', Italian menu for Gusto in which "love, passion, respect and generosity are the base of every dish". In his Ravioli stuffed with Grune Sose, there is love for the Italian mamma's pasta making, passion for an Italian classic, respect for Frankfurt's emblematic product and a generosity towards the customer who will find a hidden treasure in every mouthful.


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A roach violinist in love with a woman inhabits the brain of her husband in order to be with her. A short live action film with stop-motion animation. Read more
A roach violinist in love with a woman inhabits the brain of her husband in order to be with her. A short live action film with stop-motion animation.
About this project
Josephine and the Roach is a surreal, offbeat short film about a cockroach who falls in love with the woman whose apartment he infests. Roach shares Josephine's appreciation for early 20th century French classical music, and as she practices her accordion, he accompanies her on the violin, unbeknownst to her. They are perfect for each other. But, alas, Josephine has approximately 45,000 times Roach's body mass, and their reproductive systems are totally incompatible. Besides, Josephine is already married-- to a brutish exterminator named Moe.
Not one to back away from a challenge, Roach devises a plan. He crawls into Moe's brain and gains control of his higher brain functions. Manipulating Moe like a three hundred pound sock puppet, Roach attempts to woo Josephine. He fails miserably. But he perseveres, and in the end he succeeds. Josephine, never big on humans anyways, lives happily ever after with Roach, who has shed his elephantine host for his familiar exoskeleton.
It's Delicatessen meets Ratatouille. With a cockroach.
The short will blend live action with stop motion animation, all shot on HD. The part of the roach will be played by a six inch tall puppet made out of plasticine and a wire armature. He needs to be a charming little guy, and when it comes to puppets like these, charm comes at a price. And we will need several of them.
Additionally, we will need funds to build a set, feed our crew members, light our stage, and generally get this project off the ground.
…donate? Because you love inventive, beautiful films like Nightmare Before Christmas, Delicatessen, The Wrong Trousers, and Mary and Max. And because you want more films like them to exist, and because you know that they need money to exist, and because you recognize that swelling warmth in your gut as a feeling of generosity and artistic camaraderie. And because you want a drawing of a Tennessee Warbler eating a dung beetle (see: rewards for pledging $200).
Jonathan Langager (cowriter/director), is a filmmaker, animator, composer, pianist, violinist, and all around nice guy based in Los Angeles, where he attends the University of Southern California School of Cinematic Arts graduate school. He has brutally slain hundreds of cockroaches, but now feels remorseful and ready to make amends. An example of his animation and music can be seen here:
Joe Swanson (cowriter) tried pre-med, but sidetracked himself by staging elaborate plays starring costumed lab mice. His opus The Adventures of Mr. Whiskers and Sir Cheese-A-Lot was a critical triumph among bored lab-dwelling undergrads. An alum from the USC graduate screenwriting program, he has penned many short films which have gone on to garner numerous awards, including a Student Emmy for Short Comedy, and the 2010 USC Faculty Award for Outstanding Achievement in Screenwriting.
Damon Stea (producer) is a prolific director and cofounder of Mindfruit, an artist collaborative responsible for the creation of countless short films, including some phenomenal stop motion animation. He has created commercials for high profile companies such as Careerbuilder.com and Stella Artois. He once shot an entire short film on a flatbed scanner. It was awesome. Much of his work can be viewed here:
Joshua Tate (producer) is a current USC student who has directed and produced many student projects, including two short documentaries that appeared at South by Southwest. His short documentary, "Forgotten Lives," has been screened in political and educational events throughout the State of Texas, inspiring Texans to take action against the inhumane treatment of people with intellectual and developmental disabilities in Texas Institutions. He loves odd, grotesque films, including those that involve musical cockroaches.
Jonathan is under the gracious mentorship of Michael Taylor, the Chair of Film and Television Production at the USC School of Cinematic Arts. He maintains a career as a producer of both studio and independent films. His credits as a producer include Bottle Rocket (1996), Phenomenon (1996), and Instinct (1999), among many others. As an executive at United Artists and Orion Pictures, he was involved in the supervision of numerous projects, including The Spy Who Loved Me (1977) and Amadeus (1984).
Have a question? If the info above doesn't help, you can ask the project creator directly.
Pledge $1 or more
10 backers
A cockroach in the director's apartment will be named after you, spared execution, and released into the wild.
Pledge $10 or more
17 backers
Previous reward, plus an original drawing of a cockroach on a postcard, in whatever context you would like him to be. Taking a bubble bath, for instance.
Pledge $25 or more
48 backers
Previous rewards, plus a copy of the DVD, signed by the director, and a mention in the credits.
Pledge $45 or more
7 backers
Previous rewards, plus a poster for the film.
Pledge $100 or more
4 backers
DVD and poster. Plus a framed original black and white drawing by the director of any insect (real or fictional) of your choosing.
Pledge $200 or more
4 backers
DVD, poster, and drawing. Except the drawing will be in color. AND, a bird of your choosing (real or fictional) will be included in the drawing. The bird can be eating, conversing with, or ignoring the insect, as per your specifications.
Pledge $1,000 or more
0 backers
DVD, poster, and color bird + insect drawing. You will also receive an oil portrait of a cockroach, in whatever context you want him to be in. Ever wanted a painting of a roach on horseback leading a charge at Waterloo? This is your chance.
Funding period
- (30 days)


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The Flint representative enlists Nickle Nine for the first leak off his upcoming album, Unconscious State, dropping June 4th.
Posted in Singles | Tags: jon connor, royce da 5'9
Connor is no joke,,
love connor and royce. but this song is a little disappointing. The beat is trash. almost to the point that it hurts my ears.
Connor and Royce on the same track is a good look but like dude above me said, the beat makes me not wanna listen to this more than just this one time..
Its cool I guess. I don't understand the California Dreaming sample on a song called Michigan.
Naw that beat is pretty good
Rhymes dope. Beat is wack.
couldn't even hear what they said, beat killed my ears
It's about to get ugly Connor hooking up with Royce 5'9 ooooooooo baby!!!!!!!
please stop hatin this ish is straight fire!!!!!!!


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hess corp (HES:New York Consolidated)
Executive Profile*
William R. JohnsonFormer Director, Hess Corporation |
Age | Total Calculated Compensation | This person is connected to 200 board members in 5 different organizations across 13 different industries. See Board Relationships |
65 | -- |
Mr. William R. Johnson, also known as Bill, is an Operating Partner at Advent International Corporation. Mr. Johnson helps Advent International Corporation source, identify and evaluate investment opportunities in the consumer industry , focusing on food and packaged goods. He is an Advisory Partner at Trian Fund Management, L.P. Mr. Johnson served as a Part-Time Advisor at Hawk Acquisition Intermediate Corporation II since June 2013. He served as the Chief Executive ...
Corporate Headquarters*1185 Avenue of the Americas Phone: 212-997-8500New York, New York 10036 United States Fax: -- Board Members Memberships*Former Chairman Director Former Director Former Director, Member of Management Development and Compensation Committee and Member of Executive and Governance Committee Director Trustee Director Chief Executive Officer, President, and Chairman Former Chairman, Chief Executive Officer and President 1993-2013 Former Part-Time Advisor 2001-N/A Former Director 2008-Present Independent Director, Member of Compensation Committee and Member of Finance Committee 2009-Present Independent Director and Member of Nominating & Corporate Governance Committee
Education*Bachelor's Degree University of California-Los Angeles MBA The University of Texas System
Other Affiliations* |
Annual Compensation*There is no Annual Compensation data available.Stock Options*There is no Stock Options data available.Total Compensation*There is no Total Compensation data available. |
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Name | Position/ Company | Compensation |
Christian Clausen | Group Chief Executive Officer and President Nordea Bank AB (publ) | €2.1M |
Gerald L. Hassell | Chairman, Chief Executive Officer, Member of Executive Committee, Chairman of The Mellon Bank N A and Chief Executive Officer of The Mellon Bank N A The Bank of New York Mellon Corporation | $1.0M |
Ralph A. J. G. Hamers | Chairman of Executive Board, Chief Executive Officer, Chief Executive Officer of The Management Board Banking and Chief Executive Officer of Management Board Insurance Eurasia ING Groep N.V. | €794.0K |
Carlo Messina | Chief Executive Officer, Head of The Retail Banking Division, Managing Director, General Manager and Member of Management Board Intesa Sanpaolo S.p.A. | €1.7M |
Peter Alexander Sands | Group Chief Executive, Executive Director, Member of Governance Committee and Chairman of Standard Chartered Bank Standard Chartered PLC | $4.2M | Compensation as of Fiscal Year 2013. |
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Perfect for parents who wish to share a love of nature with their children, this soothing bedtime story celebrates the Earth�s natural wonders during a trip across the globe to visit many of the planet�s most spectac......more
Perfect for parents who wish to share a love of nature with their children, this soothing bedtime story celebrates the Earth�s natural wonders during a trip across the globe to visit many of the planet�s most spectacular places. Fostering an appreciation for nature�s beauty with a message of conservation and environmentalism, the journey takes place through the passage of both one day and the four seasons of a year while visiting amazing natural environments, including oceans, lakes, rivers, mountains, deserts, rainforests, and arctic regions. Rhythmic language guides children through encounters with a diverse community of people across the globe while saluting the iconic aspects of each place.
Adam Gamble is a writer, a photographer, and a publisher. He is the author of many of the books in the Good Night Our World series, In the Footsteps of Thoreau, and A Public Betrayed. He lives in Dennis, Massachusetts. Cooper Kelly is a former art director for advertising agencies in New York and Paris and the illustrator for many books in the Good Night Our World series.
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